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LOUISIANA DEPARTMENT OF INSURANCEJAMES J. DONELON, COMMISSIONER

P.O. BOX 94214BATON ROUGE, LOUISIANA 70804-9214

OFFICE OF PROPERTY AND CASUALTY/INSURANCE RATING DIVISION

RATE AND RULE FILINGS PENDING AS OF APRIL 09, 2018

PLEASE NOTE: Information contained in pending filings may change during the review process.

Item Key: 389274Date Submitted: 01/18/2017AMERISURE MUTUAL INSURANCE COMPANY17 - Other LiabilityConsent to RateCommercial General LiabilityInsured: Interior Exterior Building Supply, LP Policy Number: GL 2068351011

Effective Dates: 01/01/2017 - 01/01/2018

An Objection Letter was emailed to the Insured in 01/18/2017 to address information needed to complete processing of the paper filing. A response date of 02/02/2017 was stated on the letter.

Item Key: 690217Date Submitted: 12/13/2017LM General Insurance CompanyLM INSURANCE CORPORATIONLIBERTY PERSONAL INSURANCE COMPANY19 - Private Passenger AutomobileRevised Rule only

Private Passenger AutomobileLibertyGuard Auto Policy ProgramRule Revision

TechSafety Discount Additional Features Levels

Company Reference: 18-LA-P-AO-RR-GRS-TSAFERequested Effective Dates - New: 03/19/2018 Renewal: 04/23/2018

With this filing, the companies propose to introduce the TechSafety Discount and the AdditionalFeatures levels.

The TechSafety Discount will be applicable to vehicles which have advanced driver assistance technology, such as autonomous braking.

The Custom Coverage level is equivalent to the companies' current product offering and there is no

# of Policyholders: 1


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rate change contemplated. The new Basics Only level does not include Accident Forgiveness or New Car Replacement and will be offered at a discount to the Additional Features Level.

There is no rate impact associated with this filing.

Item Key: 690500Date Submitted: 12/19/2017Midvale Indemnity Company19 - Private Passenger AutomobileInitial Rate and RulePrivate Passenger AutomobileFamily Car Program Initial Rate and Rule

Company Reference: LA-AM-17R-2189Requested Effective Dates - New: 05/22/2018 Renewal: N/A

With this filing, the company proposes to introduce the rates and rules for the Family Car Program.

The corresponding form filing has been submitted under company tracking number LA-AM-17F-2188, LDI Item Key Number 690464.

Item Key: 692970Date Submitted: 01/22/2018GEICO GENERAL INSURANCE COMPANYGOVERNMENT EMPLOYEES INSURANCE COMPANY19 - Private Passenger AutomobileRevised Rate and RulePrivate Passenger AutomobileVoluntary Private Passenger Auto ProgramRevised Rate and Rule

Company Reference: 2018-017Requested Effective Dates - New: 02/22/2018 Renewal: 05/22/2018

The last rate revision to this program was +7.0% (+$8,065,209) which was approved under LDI Item Key #388140 with effective dates of 4/6/2017 for new business and 5/22/2017 for renewal business. With this filing, the companies propose to revise rates, revise Rules 9 and 11 to reflect Model Year factor revisions, and revise Rule 29 to reflect New Vehicle Discountupdates.


Overall % Impact: 4.8Overall $ Impact: $4,983,861# of Policyholders: 38982

Coverage Total ImpactBodily Injury 9.0%

Property Damage 6.5%Medical Payments 11.3%

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*Offsets have been applied resulting in 0.0% overall premium effect.

The rate impact associated with this filing is +4.8% (+$4,983,861), affecting 38,982policyholders.

Item Key: 693574Date Submitted: 01/29/2018SAFECO INSURANCE COMPANY OF OREGON19 - Private Passenger AutomobileRevised Rate and RulePrivate Passenger AutomobilePrivate Passenger Auto ProgramRevised Rate and Rule

Company Reference: 18-LA-S-AO-RR-STP-TAGRequested Effective Dates - New: 04/26/2018 Renewal: 04/26/2018

The last rate revision to this program was +12.1% or $13,337,272 which was approved under LDI Item Key Number 693574 effective 4/23/2018 for new business and 5/28/2018 for renewalbusiness.

With this filing, the company proposes the following revisions:

Update the Multi-Car Discount for clarity; and Update the telematics programs so that there will no longer be a connection between the

Right Track Discount and the Low Mileage Discount.


Item Key: 693873

Uninsured Motorists 14.0%Uninsured Motorists BI 14.0%

Collision -3.0%Comprehensive *0.0%

Emergency Road Service 10.0%Rental Reimbursement -20.0%Motor Home Collision 5.8%

Motor Home Emergency Road Service

7.3%

TOTAL 4.8%

Overall % Impact: -0.0Overall $ Impact: $-16,132# of Policyholders: 0

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Date Submitted: 01/31/2018Encompass Property and Casualty Company17 - Other LiabilityRevised Rate and RulePersonal Umbrella and Excess

Company Reference: ER3547Requested Effective Dates - New: 06/09/2018 Renewal: 06/09/2018

Item Key: 693901Date Submitted: 01/31/2018HARTFORD INSURANCE COMPANY OF THE MIDWEST19 - Private Passenger AutomobileRevised Rate only

Private Passenger AutomobileRate Revision

Base Rates

Company Reference: FN.15.599/RWG.2018.01Requested Effective Dates - New: 06/16/2018 Renewal: 08/04/2018

The last rate revision to this program had no rate impact and was approved under LDI Item Key Number 264488 effective 12/11/2010 for both new and renewal business.

With this filing, the company proposes to revise the base rates.

The rate impact associated with this filing is +12.0% or $544,896 affecting 2,664 policyholders.

Item Key: 693986Date Submitted: 02/01/2018Everest Denali Insurance Company17 - Other LiabilityInitial Rate and RuleCommercial General Liability

Company Reference: LA-GL-20053652EDICRequested Effective Dates - New: 03/01/2018 Renewal: 03/01/2018

With this filing, the company is introducing its initial rates and rules for its Commercial General Liability Program.

The company is adopting the following Insurance Services Office, Inc., (ISO) filing designation numbers for

Overall % Impact: -0.1Overall $ Impact: $-423# of Policyholders: 608

Overall % Impact: 12.0Overall $ Impact: $544,896# of Policyholders: 2664


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use with the program.

The company will utilize the following initial loss cost multipliers.

There is no rate impact associated with this initial filing.

The corresponding form(s), LDI Form Filing Number 395996, Company Form Filing Number LA-GL-20039407F was approved effective 09/20/2017.

Item Key: 694158Date Submitted: 02/02/2018HARTFORD CASUALTY INSURANCE COMPANYHARTFORD UNDERWRITERS INSURANCE COMPANYHARTFORD ACCIDENT AND INDEMNITY COMPANY19 - Private Passenger AutomobileRevised Rate onlyPrivate Passenger AutoUniversal 3.0 Program/Open Road 2.1Revised Rate

Company Reference: FN.15.599.2018.01Requested Effective Dates - New: 06/16/2018 Renewal: 08/04/2018

The last rate revision to this program was +12.9% (+$3,171,814) which was approved under LDI Item Key #387908 with effective dates of 6/17/2017 for new business and 8/6/2017 for renewal business.

With this filing, the companies propose to revise the limit factors for Medical Payments and Uninsured Motorists, zip code relativities and base rates.Coverage Indicated Total ImpactBodily Injury 79.7% 38.0%Property Damage 17.4% 15.0%Medical Payments 13.5% 5.0%Uninsured Motorists 21.5% 12.0%Comprehensive 60.6% 15.0%

GL-2017-BLG1 GL-2014-RDD14 GL-2004-OFGLARP-2016-RCP16 GL-2014-IALL1 CL-2008-RTOAL

GL-2016-RELP1 GL-2012-ORU12 and GL-2012-ORU12(A) GL-2007-OLPG2

CL-2016-ODPRU GL-2012-RCTLC GL-2006-OCTRUCL-2014-ODNRU GL-2012-OELP1 GL-2005-RPRL1RP-2014-RGL14 GL-2008-RZPLC GL-2004-OSIERGL-2004-RDD04 GL-2004-OMORU GL-2004-ORGLACL-2002-OWLE2 GL-2002-OPHD2

Commercial General Liability 1.813Commercial General Liability Premises/Operations 1.813Commercial General Liability Products/Completed

Operations 1.813


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Collision -6.4% 0.0%TOTAL 39.8% 17.8%

The rate impact associated with this filing is +17.8% (+$4,327,687), affecting 11,530 policyholders.

Item Key: 694229Date Submitted: 02/05/2018LM General Insurance CompanyLM INSURANCE CORPORATIONLIBERTY PERSONAL INSURANCE COMPANY19 - Private Passenger AutomobileRevised Rate onlyPrivate Passenger AutomobilePrivate Passenger Auto ProgramRevised Rate

Company Reference: 18-LA-P-AO-R-GRS-ASRRequested Effective Dates - New: 04/21/2018 Renewal: 05/26/2018

The last rate revision to this program was +0.001% (+$1,197) which was approved under LDI Item Key #397381 with effective dates of 12/11/2017 for new business and 2/26/2018 for renewal business.

With this filing, the companies propose to revise the base rates.





UM/UIM 15.4%Total Liability 20.9%

Comprehensive 13.7%Collision 6.6%

Towing + Rental 0.0%Total Physical Damage 8.1%

TOTAL 17.1%

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Item Key: 694237Date Submitted: 02/05/2018LIBERTY INSURANCE CORPORATIONLIBERTY MUTUAL FIRE INSURANCE COMPANYFIRST LIBERTY INSURANCE CORPORATION, THE19 - Private Passenger AutomobileRevised Rate onlyPrivate Passenger AutomobilePrivate Passenger Auto ProgramRevised Rate

Company Reference: 18-LA-P-AO-R-LEG-ASRRequested Effective Dates - New: N/A Renewal: 05/26/2018

The last rate revision to this program was +15.0% (+$4,503,042) which was approved under LDI Item Key #388427 with an effective date of 5/26/2017 for renewal business.

With this filing, the companies propose to revise the base rates and the model year symbolfactors.

The rate impact associated with this filing is +17.0% (+$4,380,713), affecting 7,208policyholders.

Item Key: 694604Date Submitted: 02/07/2018DIRECT GENERAL INSURANCE COMPANY OF LOUISIANA19 - Private Passenger AutomobileWithdrawal of Rates or Rules


Coverage ChangeBodily Injury/PD 22.0%

Med Pay 6.0%UM/UIM 17.4%

Total Liability 20.9%Comprehensive 13.1%

Collision 6.4%Towing 0.0%

Total Physical Damage 8.3%Total 17.0%

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Private Passenger AutomobileWithdrawal of Rates and Rules

Company Reference: DGIC PPA WITHDRAWAL

Item Key: 694870Date Submitted: 02/09/2018ASPEN AMERICAN INSURANCE COMPANY17 - Other LiabilityInitial Rate and RuleProfessional Liability - E & O Insurance Agents and Brokers Professional Liability Program

Company Reference: AAIC-IAB-18

Item Key: 695040Date Submitted: 02/12/2018STARNET INSURANCE COMPANY23 - FidelityInitial Rate and Rule

FidelityInitial Rate and RuleFinancial Institution Bond for Insurance Companies Program

Company Reference: FIN-CRF-2018-5300-FM-LA-26969

The above-captioned company wishes to file initial rate and rule for its new bond product under the Fidelityline of business.

With this filing, the company is submitting its initial filing for Financial Institution Bond for Insurance Companies Program.

The company is submitting the loss costs for this program which are primarily based on approved SFAA loss costs as found in SFAA filing number LA-FLC-12 (Item Key #286304, effective January 1, 2013). The company is filing a loss cost multiplier of 1.676.

The following coverages use proprietary loss costs that are based on the company's approved Financial Institution Bond for Depository Institution Program:

P - Property and Cyber Extortion Q - Claims and Audit Expenses R - Electronic Business Income Loss W - Rewards X - Payment for Injury or Death

The following coverages use loss costs that are based on the approved SFAA loss costs as found in SFAA filing number LA-FLC-9 (Item Key #22827, effective May 1, 2006):




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J - Data Processing Service Operations M - Destruction of Data or Programs by Hacker or Virus

The following coverages use proprietary loss costs that were developed by a senior FI Bond underwriter with over 25 years of experience in the industry. The values consider the risk of loss of the proprietary coverages relative to the coverage for which the SFAA has established loss costs.

H - Credit Card Forgery or Alteration I - computer Systems Fraud N - Voice Computer System Fraud

Bonds may be written for 5 years or less.

If a bond is written with an Aggregate Limit of Liability, then a 20% discount is to be applied to the final bond premium. The loss costs for the coverages under the Computer Crime Policy will be used for the corresponding coverages under the Financial Institution Bond for Insurance Companies. The loss costs to be used for company proprietary coverages are listed in the Table of Proprietary Loss Costs.

The company is requesting an effective date of "on approval".

The corresponding form(s) filing, LDI Form Filing No. 695046, Company Form Filing No. FIN-CRF-2018-5300-FM-LA-26969 was acknowledged on February 28, 2018.

Item Key: 695366Date Submitted: 02/14/2018PROPERTY AND CASUALTY INSURANCE COMPANY OF HARTFORD19 - Private Passenger AutomobileRevised Rate onlyPrivate Passenger AutomobilePrivate Passenger Auto ProgramRevised Rate

Company Reference: FN.15.599/RWG.2018.02Requested Effective Dates - New: 06/21/2018 Renewal: 08/10/2018


With this filing, the company proposes the follow base rate changes:


CoverageProposed RateLevel Change

Bodily Injury 18.0%Property Damage 0.0%Medical Payments 0.0%

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The rate impact associated with this filing is +7.9% (+$328,232), affecting 1,854 policyholders.

Item Key: 695373Date Submitted: 02/14/2018HANOVER INSURANCE COMPANY, THE17 - Other LiabilityInitial Rate and RuleProfessional Liability / E & O

Company Reference: CW-PR-17724Requested Effective Dates - New: 04/01/2018 Renewal: N/A

With this filing, the company is introducing the initial rates and rules for its Architects & EngineersProfessional Liability (A&E) admitted mono line product in Louisiana.

Item Key: 695584Date Submitted: 02/14/2018LOUISIANA FARM BUREAU CASUALTY INSURANCE COMPANYLOUISIANA FARM BUREAU MUTUAL INSURANCE COMPANYSOUTHERN FARM BUREAU CASUALTY INSURANCE COMPANY19 - Private Passenger AutomobileRevised Rate onlyPrivate Passenger AutomobilePrivate Passenger Auto ProgramRate Revision

Company Reference: PPA-2018-01Requested Effective Dates - New: 06/01/2018 Renewal: 06/01/2018

The last rate revision to this program was +14.239% (+$32,186,197) which was approved

Uninsured Motorists 8.1%Liability Subtotal 11.4%


Physical DamageSubtotal 2.1%

TOTAL 7.9%



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under LDI Item Key #389572 with effective dates of 6/1/2017 for new and renewal business.


Item Key: 695794Date Submitted: 02/16/2018SAFECO INSURANCE COMPANY OF OREGON19 - Private Passenger AutomobileRevised Rate onlyPrivate Passenger AutomobileRecreational Vehicle Program

Revised Rate

Company Reference: 18-LA-S-RV-R-GEN-LVL1Requested Effective Dates - New: 05/31/2018 Renewal: 07/10/2018

The last rate revision to this program was +0.02% (+$171) which was approved under LDI Item Key #328178 with effective dates of 4/9/2016 for new business and 5/21/2016 for renewal business.

With this filing, the company proposes the following changes:

Increase the base rates for trailers on Comprehensive and Collision; Revise the Bodily Injury, Property Damage, Medical, Uninsured Motorists,

Comprehensive, and Collision base rates for motorhomes; Revise the rate manual pages for travel trailers; and Revise the rate manual pages for motorhomes.


Item Key: 697343Date Submitted: 02/20/2018Encompass Property and Casualty Company19 - Private Passenger AutomobileRevised Rate onlyPrivate Passenger Automobile


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Private Passenger Auto Program, USPRevised Rate


The last rate revision to this program had no impact and was approved under LDI Item Key #397947 with effective dates of 12/27/2017 for new and renewal business.


Auto Base Rates; Stated Amount Coverage Rates; Miscellaneous Type Vehicle Coverages Rates; Auto Rating Tier Factors; Auto Multi-Car Rating Factors; Auto Merit Rating Factors; Good Student Discount Factors; Resident Student Discount; Accident/Violation Free Discount; Homeownership Discount; Preferred Protection Discount; and Non-Verifiable Driving Record Surcharge.

The rate impact associated with this filing is +2.6% (+$103,906), affecting 917 policyholders.

Item Key: 697410Date Submitted: 02/20/2018ENCOMPASS INDEMNITY COMPANY19 - Private Passenger AutomobileRevised Rate and RulePrivate Passenger AutomobilePrivate Passenger Auto ProgramUSP, SRMRevised Rate

Company Reference: ER3606Requested Effective Dates - New: N/A Renewal: 06/09/2018

The last rate revision to this program was +19.6% (+$384,193) which was approved under LDI Item Key #388529 with effective date of 6/9/2017 for renewal business.



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Auto Base Rates; Miscellaneous Type Vehicle Coverage Rates; Model Year and Symbol Factors; and State Rate and Territory Pages.


This program was closed to new business on 5/26/2008.

Item Key: 697421Date Submitted: 02/20/2018Encompass Insurance Company of America19 - Private Passenger AutomobileRevised Rate onlyPrivate Passenger AutomobilePrivate Passenger Program, USPRevised Rate


The last rate revision to this program was +19.6% (+$598,367) which was approved under LDI Item Key #388548 with effective dates of 6/9/2017 renewal business.

With this filing, the company proposes to revise the Base Rates, Miscellaneous Type Vehicle Coverage Rates, and Model Year & Symbol Factors.


This program was closed to new business on 1/1/2003.

Item Key: 697439Date Submitted: 02/20/2018Encompass Property and Casualty Company4 - HomeownersRevised Rate onlyUniversal Security Policy Portfolio (USP)Other Than Auto


Overall % Impact: 9.4

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The last adjustment to this program was approved in September 2017 (Item Key #398066) and resulted in anoverall 0% to be effective December 27, 2017 for both new and renewal business.

With this filing, the company proposes revisions to the following:

-Rate Adjustment Factors (HO, DF)

-Dwelling Base Premiums (HO, DF)

These changes will result in an overall rate increase of +9.4% or +$428,841 (1,166 policyholders).

Encompass Property and Casualty Company opened on 5/26/2008 and is currently accepting new business.

Item Key: 697445Date Submitted: 02/20/2018ENCOMPASS INDEMNITY COMPANY4 - HomeownersRevised Rate and RuleUniversal Security Policy Portfolio (USP)Other Than Auto


The last adjustment to this program was approved in April 2017 (Item Key #388538) and resulted in an overall rate increase of +2.2% (amended from +13.3%) to be effective June 9, 2017 for renewal business.


-Maximum Premium Credits (HO, DF)

-Dwelling Base Premiums (HO, DF)

-Occupancy Factors (DF)

The company also proposes an editorial change to the State Rate and Territory pages. In the General Rules Manual, the State Rate and Territory pages rule (Rule 15) has been updated to clarify how Encompass currently defines territories.

These changes will result in an overall rate increase of +9.1% or +$215,526 (591 policyholders).

Encompass Indemnity Company opened on 1/1/2003 and closed on 5/26/2008.

Item Key: 697457Date Submitted: 02/20/2018

Overall $ Impact: $428,841# of Policyholders: 1166


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Encompass Insurance Company of America4 - HomeownersRevised Rate onlyUniversal Security Policy Portfolio (USP)Other Than Auto


The last adjustment to this program was approved in April 2017 (Item Key #388552) and resulted in an overall rate increase of +2.2% (amended from +13.0%) to be effective June 9, 2017 for renewal business.


-Base Rates (HO, DF)

-Maximum Premium Credits (HO, DF)

-Occupancy Factors (DF)

These changes will result in an overall rate increase of +8.5% or +$411,449 (1,125 policyholders).

Encompass Insurance Company of America closed on 1/1/2003 and closed roughly 3 years after the Allstate Corporation's purchase of Encompass, so business was acquired under the ownership of both CNA andAllstate.

Item Key: 697459Date Submitted: 02/20/2018GEICO INDEMNITY COMPANYGEICO CASUALTY COMPANYGEICO GENERAL INSURANCE COMPANYGOVERNMENT EMPLOYEES INSURANCE COMPANY19 - Private Passenger AutomobileRevised Rate and RulePrivate Passenger AutomobilePrivate Passenger Auto ProgramRevised Rate and Rule



With this filing the companies propose the following rate revisions:



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The companies also propose the following changes:

revise the New Business Placement Addendum for underwriting tier placement; revise the Vehicle Liability Rating Symbol (VLR) section; revise Private Passenger Rule 21 for GEICO and GEICO General; revise General Rule G-11 for GEICO Casualty; revise Miscellaneous Rule M-10 for GEICO Casualty; revise Private Passenger Rule PPA-03 for GEICO Casualty; and revise Private Passenger Rules 9, 11. 21, and 29 for GEICO Indemnity.


Item Key: 697842Date Submitted: 02/21/2018Pharmacists Mutual Insurance Company4 - HomeownersRevised Rate and RuleHomeowners Program

Company Reference: LA-HO-06-18-RRRequested Effective Dates - New: 06/01/2018 Renewal: 06/01/2018

This filing was originally filed in October 2017 (Item Key #686370) but withdrawn by the company on January 5, 2018. The company now resubmits the filing in its entirety.

The initial rates and rules for the above-captioned program were approved in October 2014 (Item Key #313989) to be effective November 1, 2014. The company is a member of American Association of Insurance Services (AAIS).



Uninsured Motorists 25.9%Uninsured Motorists Property Damage 9.2%


Emergency Road Service 28.0%TOTAL 11.0%


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With this filing, the company will use the same AAIS rates approved in it's initial filing, but proposes to delete one Loss Cost Multiplier (LCM) of 2.915 and change the other LCM from 3.068 to 3.460.

Initially, the company used two different loss cost multipliers (LCMs). One was for Base Loss Costs andone was for miscellaneous coverages. With this filing, the company proposes to use just one LCM for all loss costs.

On Exception page 1, the following changes are being made:

Old WordingLoss Cost MultiplierPharmacists Mutual Insurance Company will use a loss cost multiplier of 2.915 with the "Base Loss Costs" established by AAIS for our Homeowners Program.

Pharmacists Mutual Insurance Company will use a loss cost multiplier of 3.068 with all other "Loss Costs" established by AAIS for our Homeowners Program.

New WordingLoss Cost MultiplierPharmacists Mutual Insurance Company will use a loss cost multiplier of 3.460 with all "Loss Costs" established by AAIS for our Homeowners Program.

These changes will result in an overall rate increase of +19.9% or +$45,439 (106 policyholders).

Item Key: 698660Date Submitted: 02/23/2018First Chicago Insurance Company19 - Commercial AutomobileRevised Rate and RuleCommercial AutomobileTaxi and Other Public Transportation Specialty ProgramRevised Rate and Rule

Company Reference: RF201804TXLARequested Effective Dates - New: 04/20/2018 Renewal: 04/20/2018


With this filing, the company proposes to revise the following:

Revise the Base Rates; Revise the Points Structure; Revise the Violation Definitions; Introduce the Prior Experience Surcharge; Introducing a premium charge for Additional Insureds; Introduce the option for Uninsured/Underinsured Motorist Bodily Injury Economic Loss

Only Coverage; Introduce optional Non-Ownership coverage;


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Introduce optional Hired Auto coverage; Miscellaneous revisions to the Underwriting Guidelines manual to the following sections:

Cover Clarify that the product is marketed by First Chicago Insurance Company.

Rule I Introduce the definitions for Owner Operator and Association.

Rule VII Introduce the Special Weather Statement.

Rule IX Updated the rule to clarify the minimum premium applies to non-association business only.

Rule XII Revise the Forms Portfolio as follows:

Correct the form numbers and names, and Addition of two new forms.

Miscellaneous revisions to the Rate Manual to the following sections: Cover

Clarify that the product is marketed by First Chicago Insurance Agency. Stated Amount Factors

Clarify the process of calculating factors for values greater than $90,000.

The corresponding form filing has been approved under company tracking number FF01804TXLA, LDI Item Key Number 699093, effective 4/20/2018.

The rate impact associated with this filing is +4.2% or $130,291 affecting 1,135 policyholders.

Item Key: 698668Date Submitted: 02/23/2018Pharmacists Mutual Insurance Company19 - Private Passenger AutomobileLoss Cost AdoptionPrivate Passenger AutomobilePrivate Passenger Automobile ProgramAdoption of ISO Loss Cost Filing Designation No. PP-2017-BRLA1Adoption of ISO Increased Limits Revision Filing Designation No. PP-2015-IRLA1

Company Reference: LA-APV-05-18-RRRequested Effective Dates - New: 05/01/2018 Renewal: 05/01/2018

The last rate revision to this program was +29.5% (+$64,724) which was approved under LDI Item Key Number 384602 effective 12/1/2016 for both new and renewal business.

With this filing, the company proposes to adopt the following Insurance Services Office, Inc. (ISO) designations:

PP-2015-IRLA1 (Increased Limited Revision) which was approved for ISO under LDI Item


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Key Number 326617 effective 4/1/2016; and PP-2017-BRLA1 (Loss Costs) which was approved for ISO under LDI Item Key

Number 397677 effective 4/1/2018.

The company is not proposing to revise the current Loss Cost Multiplier for Private PassengerAutos, however, a new loss cost multiplier is being introduced that will affect Miscellaneous Type Vehicles only.

The rate impact associated with this filing is +11.9% or $21,821 affecting 90 policyholders.

Item Key: 699028Date Submitted: 02/26/2018FARMINGTON CASUALTY COMPANYCHARTER OAK FIRE INSURANCE COMPANY, THEPHOENIX INSURANCE COMPANY, THESTANDARD FIRE INSURANCE COMPANY, THETRAVELERS INDEMNITY COMPANY, THETRAVELERS INDEMNITY COMPANY OF AMERICA, THETRAVELERS INDEMNITY COMPANY OF CONNECTICUT, THETRAVELERS CASUALTY AND SURETY COMPANYTRAVELERS PROPERTY CASUALTY COMPANY OF AMERICA16 - Workers CompensationLoss Cost AdoptionWorkers CompensationLoss Cost Adoption of NCCI Filing Reference Number LA-LC-2017-01

Company Reference: 2018-02-0037Requested Effective Dates - New: 05/01/2018 Renewal: 05/01/2018

The last rate adjustment to the above-captioned program was filed and approved under "Prior Approval" provision Item Key Number 393245, which resulted in an overall -6.30% rate decrease, effective 07/01/2017.

With this filing, the company wishes to adopt NCCI Filing Reference Number LA-LC-2017-01, approved under State Tracking Number 687014, effective 05/01/2018.

The company will retain use of the following loss cost multipliers:


Company Loss Cost MultiplierFarmington Casualty Company 1.080

The Charter Oak Fire Insurance Company 1.980The Phoenix Insurance Company 1.260

The Standard Fire Insurance Company 1.440The Travelers Indemnity Company 1.620

The Travelers Indemnity Company of America 2.340The Travelers Indemnity Company Of Connecticut 1.800

Travelers Casualty and Surety Company 2.700Travelers Property Casualty Company of America 2.160

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There is an overall +0.40% rate increase or +$163,799 as a result of this filing.

There will be 5520 Louisiana policyholders affected by this filing.

Item Key: 700599Date Submitted: 03/01/2018AMERICAN AUTOMOBILE INSURANCE COMPANYASSOCIATED INDEMNITY CORPORATIONFIREMAN'S FUND INSURANCE COMPANYNATIONAL SURETY CORPORATIONAMERICAN INSURANCE COMPANY16 - Workers CompensationLoss Cost AdoptionWorkers CompensationLoss Cost Adoption of NCCI Filing Reference Number LA-LC-2017-01

Company Reference: NLAWC0817Requested Effective Dates - New: 05/01/2018 Renewal: 05/01/2018



The company will utilize the following loss cost multipliers:

There is an overall +1.90% rate increase or +9,829 amended from +26.90% or +130,149 and originally corrected from +26.90% rate increase or +$506,991 as a result of this filing.


Item Key: 700729Date Submitted: 03/01/2018MARKEL INSURANCE COMPANY17 - Other LiabilityRevised Rate and RuleCommercial General Liability


Company Current Loss Cost Multiplier Proposed Loss Cost MultiplierAmerican Automobile Insurance

Company 1.617 2.054

Associated Indemnity Corporation 1.617 2.054Fireman's Fund Insurance

Company 1.617 1.541

National Surety Corporation 1.617 1.746The American Insurance Company 1.617 2.054

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Company Reference: 1801RR001-HF-BRequested Effective Dates - New: 05/01/2018 Renewal: 05/01/2018

Item Key: 700786Date Submitted: 03/01/2018UNIVERSAL UNDERWRITERS INSURANCE COMPANY17 - Other LiabilityRevised Rate and RuleContractual LiabilityGAP Reimbursement Coverage ProgramRevised Rate and Rule

Company Reference: 41302Requested Effective Dates - New: 04/16/2018 Renewal: 04/16/2018

The last/original rate filing (Item Key Number 305513) was approved effective for 06/02/2014.

The above-captioned company is revising rates and rules for its GAP Reimbursement Coverage Program.

The following changes are proposed:

1. Rate increase to $80 from $62 for 1-60 month term.2. Rate increase to $203 from $112 for 61-72 month term.3. Rate increase to $245 from $162 for 73-84 month term.4. Addition of 85-96 month term option rated at $295.

This filing will result in an overall rate increase of +64.10% or premium increase of +$1,333 affecting 20policyholders.

Item Key: 700873Date Submitted: 03/01/2018Arity, LLC19 - Private Passenger AutomobileConfidential Model InformationPrivate Passenger AutomobileArity, LLC is introducing their driving score model, Drivesight 2.0, in the state of Louisiana.

Company Reference: AR00031

Item Key: 700980Date Submitted: 03/02/2018STATE FARM FIRE AND CASUALTY COMPANY

Overall % Impact: 0.0Overall $ Impact: $-252# of Policyholders: 7



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9 - Inland MarineRevised Rate and Rule

Personal Inland Marine Boatowners/Personal WatercraftLouisiana Boatowners ProgramRevised Rate and Rule

Company Reference: BO-40493Requested Effective Dates - New: 07/15/2018 Renewal: 09/15/2018

The last rate filing (Item Key Number 296592) was approved 10/15/2013 for new business and 12/15/2013 for renewal business and resulted in an overall rate increase of +09.00% or premium increase of +$1,075,00 and affected 33,029 policyholders.

The above-captioned company is revising rates and rules for its Louisiana Boatowners/Personal Watercraft Program.

The following changes are proposed and entail no additional premium:

1. Elimination of the Short Rating Premium Adjustment. 2. Elimination of the Client Entertainment Charge.3. Increasing the amount of additional coverage provided for Emergency Service and Wreck Removal.

The following new optional endorsements are proposed in conjunction with the approved companion forms:

1. Uninsured and Underinsured Watercraft Coverage (BO-2426).2. Boat Rented to Others Endorsement (BO-2406).3. Boat Rental Reimbursement and Liability Endorsement (BO-2407). 4. Boat Rental Liability Endorsement (BO-2404).5. Fishing Tournament Fee Reimbursement Endorsement (BO-2405).6. Incidental Commercial Fishing Endorsement (BO-2408).

Companion forms (Item Key Number 688557 or Company Reference Number BO-33979) were approved (01/11/2018) 07/15/2018 for new business and 09/15/2018 for renewal business.

This filing will result in an overall rate decrease of -04.90% or premium decrease of -$648,228 affecting 31,338 policyholders.

Item Key: 701159Date Submitted: 03/02/2018ALLSTATE INSURANCE COMPANY17 - Other LiabilityAdoptionCommercial General Liability



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Company Reference: BR8919: 0.4% RATE CHANGERequested Effective Dates - New: 07/23/2018 Renewal: 10/03/2018

Item Key: 701161Date Submitted: 03/02/2018Unitrin Safeguard Insurance Company4 - HomeownersInitial Rate and RuleIntroduction of Kemper Prime Homeowners ProgramCompany Reference: LA HOME PRIME USICRequested Effective Dates - New: 08/17/2018 Renewal: N/A

This filing was originally filed in December 2017 (Item Key #690075) but was disapproved on February 8, 2018 due to no response. The company now resubmits the filing in its entirety.

The above-captioned company wishes to introduce rates and rules for use with its new Kemper PrimeHomeowners Program.

The program includes All Other Peril deductibles, Windstorm or Hail deductibles, Hurricane deductibles and Windstorm or Hail Exclusion. It also includes several discounts.


Companion forms (Item Key #687897) were approved on December 22, 2017.

Item Key: 701192Date Submitted: 03/02/2018EVEREST NATIONAL INSURANCE COMPANY17 - Other LiabilityInitial Rate and RuleInternet Liability

Company Reference: LA-ECE-20041012RRequested Effective Dates - New: 04/01/2018 Renewal: 04/01/2018

Item Key: 701249Date Submitted: 03/05/2018UNITED FIRE & INDEMNITY COMPANY1 - PropertyRevised Rate onlyDwelling FireChange in deviation

Company Reference: DF-LA-06012018-RRequested Effective Dates - New: 06/01/2018 Renewal: 06/01/2018



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The last adjustment to this program was approved in September 2015 (Item Key #326435) and resulted in an overall rate increase of +10.3% to be effective December 1, 2015 for both new and renewal business. In that filing, the company adopted The Property Insurance Association of Louisiana's (PIAL) rates found in Filing Designation No. LA15-14 (DP-2015-RLA1).

In November 2017, the company filed a non-adoption (Item Key #688105) of PIAL's new rates. The company is still using LA15-14 (DP-2015-RLA1) rates.

With this filing, the company proposes to change its deviation from those rates as follows:

In the manual, under Section II - Premium Development, Part I - Base Premium Computation, the followingchanges are being made:

OLD WORDING (FACTORS)To calculate premiums for United Fire & Indemnity Company, use:

a. A factor of .84 of the PIAL base fire premiums in Part I, II, III and IV.b. The base PIAL EC premiums for DWG-1, DWG-2 and DWG-3 are adjusted by the following factors:

NEW WORDING (FACTORS)To calculate premiums for United Fire & Indemnity Company, use:

a. A factor of .89 of the PIAL base fire premiums in Part I, II, III and IV.b. The base PIAL EC premiums for DWG-1, DWG-2 and DWG-3 are adjusted by the following factors:

Territory Factor1 1.935 1.15

30-32 0.7633-35 1.6936,38 2.40

37 2.19

Territory Factor1 2.135 1.15

30-32 .7833-35 1.8636,38 2.45

37 2.27Updated factors are in italics.These changes will result in an overall rate increase of +2.9% or +$31,620 (632 policyholders).

Item Key: 701331Date Submitted: 03/05/2018PROGRESSIVE PALOVERDE INSURANCE COMPANYPROGRESSIVE SECURITY INSURANCE COMPANY19 - Private Passenger AutomobileRevised Rate onlyDISAPPROVEDPrivate Passenger AutomobileRecreational Vehicle ProgramRevised Rate

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Company Reference: LA RV 201801Requested Effective Dates - New: 06/15/2018 Renewal: 07/25/2018

DISAPPROVED

The last rate revision to this program was +6.1% or $597,975 which was approved under LDI Item Key Number 387258 effective 6/16/2017 for new business and 7/17/2017 for renewal business.


The rate impact associated with this filing is +24.140% (+$2,583,413), affective 14,780 policyholders.

Item Key: 701355Date Submitted: 03/05/2018American Hallmark Insurance Company of Texas17 - Other LiabilityInitial Rate and RuleCommercial General LiabilityAdoption of various ISO Designation Numbers

Company Reference: AHIC-LA-GL-002

Item Key: 701360Date Submitted: 03/05/2018American Hallmark Insurance Company of Texas1 - PropertyAdoptionCommercial Property (Fire and Allied Lines)AdoptionVarious PIAL & ISO Filing Designation Numbers

Company Reference: AHIC-LA-CP-002

This filing is a resubmission of filing #394354, which was withdrawn by the company on May 17, 2017.The


Motor Home Rate ChangeLiability +11.3%

Physical Damage +20.7%Overall +19.2%

Travel Trailer Rate ChangeLiability 0.0%

Physical Damage +28.0%Overall +27.6%



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company wishes to file initial rate and rule for its Commercial Property program.

With this filing, the company will be using a loss cost multiplier (LCM) of 1.67, it will have a minimum for prepaid policies of $500.

The company will waive an additional premium of $15 and will also waive a return premium of $15 unless the insured request the returned premium and it will be granted.

If a policy is cancelled, the company will retain $250 of the returned premium except when the policy iscancelled as of the inception date.

The above-captioned company would also like to adopt the following Property Insurance Association ofLouisiana (PIAL) and Insurance Services Office, Inc. (ISO) filing designation numbers for:

ISO's Commercial Lines Manual, Division Three, Crime & Fidelity ISO's Crime & Fidelity Experience and Schedule Rating ISO's Kidnap, Ransom and Extortion Individual Risk Premium - Modification Plan ISO's Retrospective Rating Plan ISO's Composite Rating Plan

Filing Designation Number Item Key Number Effective DateCL-99-099CT 2434 February 1, 2001

LA00-4 (CF-2000-OBGS1) 18a (Agenda 6/00) December 1, 2000

LA01-06 (CF-2001-ORU1) 3487 (20a/Agenda 8/01) January 1, 2002

LA01-07 (CF-2001-RLA1) 8a (Agenda 8/15/01) January 1, 2002

LA06-07 (CF-2005-RLC1) Supplement 210228 September 1, 2006

LA06-05 (CF-2005-RRU1) Supplement 231511 June 17, 2008

LA09-09 (CF-2009-RGB09) 251757 April 1, 2010

CF-2011-OCT04 ISO Circular - LI-CF-2011-094 August 4, 2011LA09-05 (CF-2009-RRU07) Supplement 246340 / 250777 May 1, 2010

LA15-01 (CF-2014-RRU09) 318441 July 1, 2015

LA15-02 (CF-2014-RLC09) 318462 July 1, 2015

LA15-18 (CF-2015-RRU11) 327556 May 1, 2016

LA16-01 (CF-2015-RLA1) 332810 July 1, 2016

LA15-19 (CF-2015-RLC11) 327546 May 1, 2016

LA16-05 (CL-2016-ODNPR) 338722 December 1, 2016

LA16-04 (CL-2016-ODNPF) 338728 December 1, 2016

LA13-06 (CF-2013-RBIRU) 300058 February 1, 2014

LA13-07 (CF-2013-RBILC) 300506 February 1, 2014

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The corresponding form(s) filing, LDI Form Filing No. 701391, Company Form Filing No. AHIC-LA-CP-001 were disapproved March 23, 2018.

Item Key: 701437Date Submitted: 03/06/2018HDI Global Insurance Company17 - Other LiabilityLoss Cost AdoptionCommercial General LiabilityAdoption of ISO Loss Cost Designation Filing Numbers GL-2015-BGL1 and GL-2017-BGL1

Company Reference: HDI-GLLC-01-0218-LARequested Effective Dates - New: 04/01/2018 Renewal: 04/01/2018

Item Key: 703624Date Submitted: 03/09/2018GoAuto Insurance Company19 - Private Passenger AutomobileRevised Rate onlyPrivate Passenger AutomobileProgram 1.0Revised Rate

Company Reference: GOA-PPA1-LA-1801RARequested Effective Dates - New: N/A Renewal: 04/23/2018

The last rate revision to this program was +6.8% (+$1,287,755) which was approved under LDI Item Key #389508 with effective date of 4/17/2017 for renewal business only.

LA13-13 (CF-2013-RLA1) 303376 July 1, 2014LA16-02 (CL-2015-OTRRU) 333652 March 1, 2016

LA18-01 (CF-2016-RLC16) 691554 August 1, 2018

LA18-02 (CF-2016-RRU16) 691556 August 1, 2018

LA17-14 (CF-2017-RLA1) 690221 July 1, 2018

LA17-07 (CF-2017-RLC1) 396015 August 1, 2017

RP-2001-RIR01 8931 April 24, 2002

RP-2004-RIR1 19117 May 1, 2005

LA15-03 (RP-2014-RML09) 318468 July 1, 2015



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With this filing, the company proposes to revise the base rates.


Item Key: 703626Date Submitted: 03/09/2018GoAuto Insurance Company19 - Private Passenger AutomobileRevised Rate onlyPrivate Passenger AutomobilePrivate Passenger Auto Program 2.0 Revised Rate

Company Reference: GOA-PPA2-LA-1801RARequested Effective Dates - New: 04/23/2018 Renewal: 05/23/2018



Revise the base rates for BI, PD, CP, CL and UMBI; Revise the territory factors for BI and PD; Correct the rate pages to show the correct LKQ election discount which was approved

in LDI filing #305458; and Revise the rental reimbursement rates by limit.


Item Key: 703638Date Submitted: 03/09/2018THE CINCINNATI INSURANCE COMPANY19 - Private Passenger AutomobileLoss Cost Adoption

Private Passenger AutomobilePersonal Auto ProgramLoss Cost Adoption

Adopt ISO Designation PP-2016-BRLA1 (2)


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Revise LCMs

Company Reference: C-A-17-3872A-LARequested Effective Dates - New: 04/01/2018 Renewal: 04/01/2018

The last rate revision to this program was +5.6% ($0) which was approved under LDI Item Key Number 332275 effective 4/1/2016 for both new and renewal business.

With this filing, the company proposes to adopt Insurance Services Office, Inc. (ISO) designation PP-2016-BRLA1 (2) which was approved for ISO under LDI Item Key Number 384523 effective 4/1/2017.

The company is proposing to revise the current Loss Cost Multipliers (LCM) as follows:

The rate impact associate with this filing is +5.98% ($0) affecting 0 policyholders.

Item Key: 703652Date Submitted: 03/09/2018Essentia Insurance Company19 - Private Passenger AutomobileRevised Rate and RulePrivate Passenger AutomobileClassic Automobile ProgramRate and Rule Revision

Company Reference: LACARR-181Requested Effective Dates - New: 05/15/2018 Renewal: 06/15/2018


With this filing, the company proposes to revise the following rules and rates:

Rule 2 Eligibility; Rule 3 Premium Determination; Rule 4 Premium Discounts; Rule 6 Policy Period, Payment Plans and Fees; Rule 10.1 Uninsured Motorists Coverage; Rule 12.1 Exotic and Special Interest Vehicle; Rule 12.2 Reproduction Models;

Overall % Impact: 5.98Overall $ Impact: $0# of Policyholders: 0

Coverage Current LCM Proposed LCMLiability 1.435 1.420

Physical Damage 1.486 1.471


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Rule 12.4 Foreign Coverage; Rule 12.5 Waiver of Subrogation; Rule 12.6 Custom Features; Rule 12.7 Loss Payable Clause; Rule 12.8 Additional Insured; Rule 12.9 Limited Trailer and Paddock Collision; Rule 12.11 Business Use; Rule 12.12 Vehicles Insured Under a Reporting Form; Rule 12.13 Named Driver Exclusion; Rule 12.14 Collector Motorcycles; Rule 12.15 Auto Show Medical Reimbursement; Rule 12.16 Traveling Collector; Rule 12.17 Vehicle Under Construction; Rule 12.18 Cherished Salvage; Rule 12.19 Evacuation Expense; Rule 12.20 Key on Exclusion (Introduced); Rule 12.21 Legendary Ride (Introduced); Rule 12.22 Motorsports Advantage (Introduced); Rule 13 Amendment of Policy Provisions - Enthusiast Essentials; Rule 14.1 Operator Age Factors; Rule 14.2 Flex Rating Adjustments; Rule 14.4 Rating Factors Applicable to 1980 and Newer Vehicles; Rule 15 Value-Added; Rule 17 Personal Property - Scheduled and Blanket (Unscheduled) Coverage; Rates 1 through 3 Liability Rate Pages - Base Liability Rates, Motorcycle Passenger

liability, Model Year Factors, Vehicle Modification Factors, Operator Age Factors, Flex Factors, and Insurance Score Factors;

Rates 1.1 through 1.5 Physical Damage Rate Pages - Loss or Damage to Your CoveredAuto - Other Than Collision, Collision, Motorsport and Pro-Street Vehicles without Liability;

Rates 2.1 through 2.3 Vehicle Deductible Factors - Deductible Group 1, DeductibleGroup 2, Deductible Group 3, and Deductible Group 4;

Rates 3.1 Other Factors - Storage Garaging Factors and Operator Age Factors; Rates 3.2 Flex Factors; Rates 3.3 Insurance Score Factors; Rate 5.1 Experience Rating Plan, Limited Trailer and Paddock Collision, and Cherished

Salvage; and Rate 5.2 Waiver of Subrogation, Reserved for Future Use, Legendary Ride, and

Motorsports Advantage

The rate impact associated with this filing is +7.288% (+$266,482), affecting 8,238

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policyholders.

Item Key: 703655Date Submitted: 03/09/2018Essentia Insurance Company19 - Private Passenger AutomobileInstallment ProgramPrivate Passenger AutomobileClassic Automobile ProgramInstallment Plan

Company Reference: LACAPP-181Requested Effective Dates - New: 05/15/2018 Renewal: 06/15/2018

Item Key: 703779Date Submitted: 03/13/2018Vantapro Specialty Insurance Company19 - Commercial AutomobileInitial Rate and RuleCommercial AutomobileSpecialty Rental, Contractors and Trade Auto Program

Company Reference: VSIC-18-SA-01-LA-R

Item Key: 703782Date Submitted: 03/13/2018GREAT NORTHERN INSURANCE COMPANYPACIFIC INDEMNITY COMPANYVIGILANT INSURANCE COMPANYFEDERAL INSURANCE COMPANY19 - Private Passenger AutomobileRevised Rate onlyPrivate Passenger AutomobileMasterpiece ProgramRevised Rate

Company Reference: 18-12951-RRRequested Effective Dates - New: 07/16/2018 Renewal: 08/30/2018

The last rate revision to this program had no rate impact and was approved under LDI Item Key Number #393262 with an effective date of 10/9/2017 for new business and 11/23/2017 for renewal business.





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The rate impact associated with this filing is +5.0% (+$122,248) affecting 456 policyholders.

Item Key: 703793Date Submitted: 03/13/2018LYNDON SOUTHERN INSURANCE COMPANY33 - Other LinesInitial Rate and RuleIntroduction of Individual Supplemental Unemployment Compensation ProgramCompany Reference: LL-SIUI-10.17 - RATES

The above-captioned company wishes to introduce rates and rules for use with its new Individual Supplemental Unemployment Compensation Program.

The program follows the state's unemployment insurance board's claim determination and helps make up a percentage of the difference between public unemployment payments and a moderate to higher income insured's lost monthly income to facilitate the handling of higher living expenses during a period of unforeseen involuntary unemployment. The product is marketed online.

This program is similar to others on file with the Louisiana Department of Insurance.


Companion forms (Item Key #703789) were still pending as of April 4, 2018.

Item Key: 703794Date Submitted: 03/13/2018PRAETORIAN INSURANCE COMPANYQBE INSURANCE CORPORATIONNORTH POINTE INSURANCE COMPANYSTONINGTON INSURANCE COMPANYGENERAL CASUALTY COMPANY OF WISCONSINREGENT INSURANCE COMPANY16 - Workers CompensationLoss Cost AdoptionWorkers CompensationLoss Cost Adoption of NCCI Filing Reference Number LA-LC-2017-01

Coverage Private Passenger VehiclesCSL Liability 11.7%UM 2.6%

Liability Subtotal 9.1%Comprehensive -1.5%Collision 2.8%

Physical Damage Subtotal 0.9%TOTAL 5.0%

Overall $ Impact: $19,564

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Company Reference: QBE-LA-2018-001Requested Effective Dates - New: 05/01/2018 Renewal: 05/01/2018

The last rate adjustment for Praetorian Insurance Company, QBE Insurance Corporation, North PointeInsurance Company, Stonington Insurance Company was filed and approved under "Prior Approval" provision Item Key Number 397048, which resulted in an overall +7.70% rate increase, effective 10/01/2017.

The last rate adjustment for Regent Insurance Company was filed and approved under "Prior Approval" provision Item Key Number 394302, which resulted in an overall -5.90% rate decrease , effective 07/01/2017.

With this filing, the company wishes to adopt NCCI Filing Reference Number LA-LC-2017-01, approved under State Tracking Number 687014, effective 05/01/2018. The companies will retain use of the following loss costmultipliers:

There is an overall % rate crease or +$19,564 as a result of this filing.


Item Key: 703809Date Submitted: 03/13/2018FEDERATED MUTUAL INSURANCE COMPANYFEDERATED SERVICE INSURANCE COMPANYFEDERATED RESERVE INSURANCE COMPANY1 - PropertyRevised Rate and RuleCommercial Property (Fire and Allied Lines)Revised Rate and RuleCommercial Rates

Company Reference: CP-2018-1Requested Effective Dates - New: 08/15/2018 Renewal: 08/15/2018

The last adjustment to this program occurred in October 2017 under the Prior Approval provision (Item Key #686373) to be effective March 15, 2018.

With this filing, the above-captioned companies wish to revised their rates and rules for CommercialProperty.


Company Loss Cost MultiplierPraetorian Insurance Company 2.00

QBE Insurance Corporation 2.30North Pointe Insurance Company 1.60

Stonington Insurance Company 1.040General Casualty Company of Wisconsin 2.00

Regent Insurance Company 1.60


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The revisions are for the following pages:

Miscellaneous Coverages - State Rate page 1 (October 2017) Exception pages: October 2017

CF-F-7 CF-F-16 CF-F-50 CF-F-53 CF-F-57 CF-F-59

Rate pages: August 2018 CF-FR-5 CF-FR-17 CF-FR-25 CF-FR-39 CF-FR-40 CF-FR-43 CF-FR-44 CF-FR-45 CF-FR-46 CF-FR-47 CF-FR-49 CF-FR-50 CF-FR-51 CF-FR-52 CF-FR-53 CF-FR-57 CF-FR-59 CF-FR-60

The companies would also like to adopt the following Property Insurance Association of Louisiana (PIAL) and Insurance Services Office, Inc. (ISO) filing designation numbers: LA-17-14 (CF-2017-RLA1), Item Key #690221, with an effective date of July 1, 2018.

These changes results in a rate increase of 2.400% or $70,103 (168 policyholders).

The companies are requesting an effective date of August 15, 2018.

Item Key: 703811Date Submitted: 03/13/2018PROGRESSIVE SECURITY INSURANCE COMPANY19 - Private Passenger AutomobilePPA Symbol UpdatesPrivate Passenger AutomobilePrivate Passenger Auto ProgramPPA Auto Symbols Update

Company Reference: PPA SYMBOL CHANGES 2018 SECURITYWith this filing, the company proposes to update the symbols to include vehicles not previously included.


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There is no rate impact associated with this filing

Item Key: 703813Date Submitted: 03/13/2018PROGRESSIVE PALOVERDE INSURANCE COMPANY19 - Private Passenger AutomobilePPA Symbol UpdatesPrivate Passenger AutomobilePrivate Passenger Auto ProgramPPA Auto Symbols Update

Company Reference: PPA SYMBOL CHANGES 2018 PALOVERDEWith this filing, the company proposes to update the symbols to include vehicles not previously included.


Item Key: 703841Date Submitted: 03/14/2018Plaza Insurance Company26 - Burglary And TheftLoss Cost AdoptionCommercial Burglary and TheftAdoption of ISO Loss Cost Designation Filing Number CR-2017-RLA1Crime and Fidelity Multistate Loss Costs Revision

Company Reference: LA PLZ-CR-REF-18-LCRequested Effective Dates - New: 06/01/2018 Renewal: 06/01/2018

The last adjustment to this program occurred in April 2014 under the Prior Approval provision (Item Key #307642) to be effective May 20, 2014.

The above-captioned company wishes to adopt the following Insurance Services Office, Inc. (ISO) filing designation number: CR-2017-RLA1, Item Key #687911, to be effective June 1, 2018.

This filing is for commercial crime.

The loss cost multiplier (LCM) is 1.690 .

The company is requesting an effective date of June 1, 2018.

Any questions for this filing, the contacts are:

Jen Reilly - (814) 449-7966 or [email protected] Kim Miller - (620) 615-1201 or [email protected]

Item Key: 703843Date Submitted: 03/14/2018Plaza Insurance Company26 - Burglary And Theft


Overall % Impact: -21.0Overall $ Impact: $0# of Policyholders: 0

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Loss Cost AdoptionCommercial Burglary and TheftLoss Costs RevisionKBK Program - Adoption of ISO Loss Cost Designation Filing Number CR-2017-RLA1

Company Reference: LA KBK-CR-REF-18-LCRequested Effective Dates - New: 06/01/2018 Renewal: 06/01/2018

The last adjustment to this program occurred in March 2014 under the Prior Approval provision (Item Key#306015) to be effective June 1, 2014.

The above-captioned company wishes to adopt the following Insurance Services Office, Inc. (ISO) filing designation number: CR-2017-RLA1, Item Key #687911, to be effective June 1, 2018.

This adoption is for the KGB Program.

The loss cost multiplier (LCM) is 1.900.

The company is requesting an effective date of June 1, 2018.

Any questions for this filing, the contacts are:

Jen Reilly - (814) 449-7966 or [email protected] Kim Miller - (620) 615-1201 or [email protected]

Item Key: 703851Date Submitted: 03/14/2018Spinnaker Insurance Company4 - HomeownersRevised Rate and RuleLouisiana Voluntary Homeowners ProgramRevision of Paid-In-Full Discount

Company Reference: SIC18-0001Requested Effective Dates - New: 06/01/2018 Renewal: 06/01/2018

The initial rates and rules for the above-captioned program were approved in February 2017 (Item Key#390461) to be effective April 5, 2017.

With this filing, the company proposes a revision to the Paid-In-Full Discount.

The company revised the list order of the discount factors. The Insured Pay Plan (Other Perils Factor) was changed from 0.876 to 1.000 and the Mortgage Billed (Other Perils Factor) was changed from 1.000 to 0.876. They were originally switched in the Paid-In-Full Discount table.

This change will result in an overall rate increase of +0.30% or +$49,627 (21 policyholders).



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Item Key: 703952Date Submitted: 03/15/2018STATE FARM FIRE AND CASUALTY COMPANYSTATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY19 - Private Passenger AutomobileRevised Rate and RulePrivate Passenger AutomobileMotorcycle ProgramRevised Rate and Rule

Company Reference: IV-40730Requested Effective Dates - New: 07/01/2018 Renewal: 07/01/2018

The last rate revision to this program had no rate impact and was approved under LDI Item Key Number #391407 with an effective date of 7/1/2017 for new and renewal business.

With this filing, the companies propose to revise the Collision Rating Group (CRG), Comprehensive Rating Group (DRG), and Liability Rating Group (LRG).

The rate impact associated with this filing is +0.100% (+$8,146) affecting 20,740 policyholders.

Item Key: 703955Date Submitted: 03/15/2018WESCO INSURANCE COMPANY19 - Commercial AutomobileRevised Rate onlyCommercial AutomobileNationaLease Auto Rental ProgramRate Revision

Company Reference: LA-CA-1805-03-9978Requested Effective Dates - New: 05/01/2018 Renewal: 05/01/2018

The last rate revision to this program was +23.2% or $353 which was approved under LDI Item Key Number 330957 effective 1/1/2016 for both new and renewal business.


Coverage Premium ImpactBIPD 0.0%

Comprehensive 0.2%Collision 0.1%TOTAL 0.1%


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With this filing, the company proposes to revise the liability rates.


Item Key: 703980Date Submitted: 03/16/2018Sompo America Insurance Company19 - Commercial AutomobileLoss Cost Adoption

Commercial AutomobileLoss Cost Adoption

Adoption of ISO Designation CA-2017-BRLA1 Revise LCM Revise ELR

Company Reference: 18-M-CA-045Requested Effective Dates - New: 07/01/2018 Renewal: 07/01/2018


With this filing, the company proposes to adopt Insurance Services Office, Inc. (IS) designation CA-2017-BRLA1 which was approved for ISO under LDI Item Key Number 393191 effective 11/1/2017.

The company is proposing to revise the current Loss Cost Multipliers (LCM) as follows:

The company is also proposing to revise the Expected Loss Ratios (ELR) and include Sompo America Fire & Marine Insurance Company to the manual pages. The corresponding filing for Sompo America Fire & Marine Insurance Company has been submitted under LDI Item Key Number 703983.

The rate impact associated with this filing is +20.0% or $41,572, amended from +25.0% or $51,966, affecting 29 policyholders.

Item Key: 703989Date Submitted: 03/16/2018STATE FARM MUTUAL AUTOMOBILE INSURANCE COMPANY19 - Private Passenger Automobile


Coverage Current LCM Proposed LCMLiability 1.177 1.369

Physical Damage 1.447 1.691

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Revised Rate and RulePrivate Passenger AutomobilePrivate Passenger Auto ProgramRevised Rate and Rule

Company Reference: PV-40796Requested Effective Dates - New: 07/09/2018 Renewal: 07/09/2018

The last rate revision to this program was -0.1% (-$1,315,181) which was approved under LDI Item Key #693349 with effective dates of 4/30/2018 for new and renewal business.

With this filing, the company proposes to introduce a new rating factor of 0.97 for all coverages. The company is also updating Exhibit 10 to reflect the new tax rates and calculations due to the Tax Cuts and Jobs Act of 2017.

The rate impact associated with this filing is -2.9% (-$1,315,181), affecting 1,026,725 policyholders.

Item Key: 704032Date Submitted: 03/19/2018ALLSTATE VEHICLE AND PROPERTY INSURANCE COMPANY4 - HomeownersRevised Rate and RuleHouse & Home Program (by-peril rating structure)Introduction of Deductible Reward feature to the Enhanced Package

Company Reference: R32124: HOME DEDUCTIBLE REWARDRequested Effective Dates - New: 09/27/2018 Renewal: 09/27/2018

The last adjustment to this program was approved in October 2017 (Item Key #685095) and resulted in an overall 0.0% to be effective December 28, 2017 for both new and renewal business.

With this filing, the company proposes to add a new Deductible Reward feature to the existing Allstate House & Home Enhanced Package. Upon initial enrollment, policies will receive a $100 DeductibleReduction Amount. Each year that a policy is claim free, $100 will be added to the Deductible Reduction Amount, subject to a maximum total value of $500. The Deductible Reduction Amount can be used to reduce an applicable deductible when a claim occurs.

The Deductible Reward lowers some customers' deductibles and this causes a premium increase with a corresponding coverage increase.

C. Deductible RewardDefinition of Deductible Reduction Amount: The amount available to be used to reduce a qualified deductible as provided in item II.1. of the Application of Deductible Reduction Amount section below.

Overall % Impact: -2.9Overall $ Impact: $-45,729,091# of Policyholders: 1026725


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I. Administration of the Deductible Reduction Amount:

1. The enrollment Deductible Reduction Amount will be $100.

a. Policies will receive an enrollment Deductible Reduction Amount of $100 the date the Enhanced Package is added to the policy.b. All existing policies as of 09/27/2018 with the Enhanced Package Policy will receive the enrollment Deductible Reduction Amount of $100 upon the first renewal on or after 09/27/2018 regardless of the policy history.

2. At each renewal, if no Chargeable Claims (as defined in Rule 37) have been paid within twelve months ending 45 days prior to the policy's renewal date, the policy will receive an additional $100 towards the Deductible Reduction Amount. Provided, however:

a. when the Enhanced Package is added to the policy before the effective date of the current policy period orwithin 60 days after such date, the policy will receive such additional $100 Deductible Reduction Amount at the next policy renewal.b. when the Enhanced Package is added to the policy after the 60th day of the effective date of the current policy period, the policy will not receive the additional $100 Deductible Reduction Amount until the renewal after the next policy renewal.

3. Any Chargeable Claim forgiven under the Claim Rate Guard will still be considered for purposes of determining whether an additional $100 Deductible Reduction Amount is received. The maximum total ofDeductible Reduction Amount is $500 and the minimum amount is $0. No credit whatsoever will be given with respect to amounts that would otherwise accumulate under section C.I.2. above but for the $500 cap.

4. If the Enhanced Package is removed from the policy and the Enhanced Package is later added back onto the policy, then:

a. if the Prior Deductible Reduction Amount (as defined in section C.II.5.) is zero, the policy will receive a $100 Deductible Reduction Amount at the time the Enhanced Package is added back onto the policy, which amount will be available for application to a qualified deductible for a loss that occurs on or after the date the Enhanced Package is added back onto the policy. The policy may receive additional Deductible Reduction Amounts as provided in section C.I.2. above.b. if the Prior Deductible Reduction Amount is greater than zero the policy will not receive a $100 Deductible Reduction Amount at the time the Enhanced Package is added back onto the policy. However, the policy may receive additional Deductible Reduction Amounts as provided in section C.I.2., subject to the $500 maximum Deductible Reduction Amount. Any additional Deductible Reduction Amounts the policy may receive will be added to the Prior Deductible Reduction Amount, subject to the $500 maximum Deductible Reduction Amount.c. Prior Deductible Reduction Amounts, if any, will be available for application to a qualified deductible for a loss that occurs during any period the Enhanced Package with the Deductible Rewards feature is on the policy, subject to the $500 maximum Deductible Reduction Amount.

II. Application of Deductible Reduction Amount:

1. The Deductible Reduction Amount is the reduction to be applied to any of the policy deductibles with the exception that it cannot be applied to any of the following: Scheduled Personal Property or NFIP (National Flood Insurance Program).

2. If there is an available Deductible Reduction Amount at the time of a Group D, Group E, Group F, or Group G claim (as defined in Rule 37), then the Deductible Reduction Amount must be applied to the

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deductible.

a. If at the time of a Group D, Group E, Group F, or Group G claim, the Deductible Reduction Amount isgreater than or equal to the otherwise applicable qualified deductible, the insured will not incur a deductible, and the Deductible Reduction Amount will be reduced by the amount applied to the qualified deductible.b. If at the time of a Group D, Group E, Group F, or Group G claim, the Deductible Reduction Amount is less than the otherwise applicable qualified deductible, the insured will incur the difference between the deductible and the Deductible Reduction Amount as the resulting deductible, and the Deductible Reduction Amount will be reduced by the amount applied to the qualified deductible.

3. If more than one qualified deductible applies to the same claim for a loss, the Deductible Reduction Amount will first be applied to the highest qualified deductible. Any remaining Deductible Reduction Amount will be applied to the next highest qualified deductible and so on.

4. The Deductible Reduction Amount available is determined as of the date the loss occurred. The Deductible Reduction Amount applied will be based on the Deductible Reduction Amount available as of the date the claim is settled.

a. If more than one claim for a loss with a qualified deductible is reported during the same policy period, the Deductible Reduction Amount will be applied first to the qualified deductible for the claim that was reported first in time. Any remaining Deductible Reduction Amount will be applied to the qualified deductible for the claim reported next in time.b. If multiple claims are reported at the same time with the same loss date, the Deductible ReductionAmount will first be applied to the highest qualified deductible. Any remaining Deductible Reduction Amount will be applied to the next highest qualified deductible and so on.

5. If and whenever the Enhanced Package with the Deductible Rewards feature is removed from the policy, any accumulated Deductible Reduction Amount ("Prior Deductible Reduction Amount") will not be available for application to a qualified deductible for a loss that occurs during any period the Enhanced Package with the Deductible Rewards feature was not on the policy. The accumulated Deductible Reduction Amount will be available for application to a claim for a loss that occurs during any period the Enhanced Package with the Deductible Rewards feature is on the policy. Application of the Deductible Reduction Amount to a claim will be made in accordance with Item C.II.

6. Any Deductible Reduction Amount applied to a qualified deductible for a claim will not be considered indetermining whether a claim is a Chargeable Claim (as defined in Rule 37).

7. For a covered Group D, Group E, Group F, or Group G claim occurring on or after 09/27/2018 to which a Deductible Reduction Amount was applied, the Deductible Reduction Amount applied to the claim will be restored to the policy once the deductible amount incurred by the insured is recovered through subrogation if either:

a. The Deductible Reduction Amount applied to the claim is equal to the applicable deductible, and the claim subrogation status is considered collected by Allstate, orb. The Deductible Reduction Amount applied to the claim is less than the applicable deductible and Allstate, through subrogation returned to the insured the applicable deductible amount previously incurred by the insured with respect to the claim.

However, if more than one covered Group D, Group E, Group F, or Group G claim occurred during the same policy period, restoration of the Deductible Reduction Amount will occur only if, and only when all of such claims have satisfied the requirements of C.II. 7.a. or C.II.7.b. above. The returned deductible amount previously incurred by the policyholder and the restored Deductible Reduction Amount applied shall not exceed the subrogation amount collected. Under no circumstance will the restoration result in a Deductible

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Reduction Amount exceeding $500. Any excess amount will not be restored to the Deductible Reduction Amount and no credit whatsoever will be given for such amount.

8. In the case of a customer move from another state, any accumulated Deductible Reduction Amount at the time of the customer move will continue to be available to the Louisiana Allstate House and Home policy as long as the Enhanced Package with Deductible Rewards feature is on the Louisiana Allstate House and Home policy.

9. In the case of a customer move to another state, any accumulated Deductible Reduction Amount at the time of the customer move will continue to be available as long as the Enhanced Package with Deductible Rewards feature is available and on the new policy.

Changes to the manual are as follows:

Rules Manual:Page 60-2 to Page 60-5 - Revised Rule 60 - Enhanced Package to include Deductible Reward.

Rates Manual:RP-14 - Revised Enhanced Package Factors to reflect the new Deductible Reward feature.

These changes will result in an overall 0.0% or +$69,978 (17,104 policyholders).

Companion forms (Item Key #704280) were still pending as of March 22, 2018.

Item Key: 704036Date Submitted: 03/19/2018American Home Assurance CompanyAIU INSURANCE COMPANYCOMMERCE AND INDUSTRY INSURANCE COMPANYGRANITE STATE INSURANCE COMPANYILLINOIS NATIONAL INSURANCE COMPANYNATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH, PANEW HAMPSHIRE INSURANCE COMPANYINSURANCE COMPANY OF THE STATE OF PENNSYLVANIA, THEAIG ASSURANCE COMPANYAIG PROPERTY CASUALTY COMPANY19 - Commercial AutomobileRevised Rule only

Commercial AutomobileRule Revision

Introduce Deductible Coverage Endorsement - Form A Rule

Company Reference: AIG-16-IL-04GWith this filing, the companies propose to introduce the Deductible Coverage Endorsement - Form A rule to be used with the corresponding form.

The corresponding form filing has been approved under company tracking number AIG-1-IL-04A, LDI Item Key Number 689619, effective 12/12/2017.


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Item Key: 704059Date Submitted: 03/19/2018Liberty Mutual Fire Insurance Company1 - PropertyRevised Rate onlyLibertyGuard Dwelling Policy Program

Company Reference: 18-LA-P-DF-R-GEN-ASRRequested Effective Dates - New: N/A Renewal: 08/05/2018

The last adjustment to this program was approved in August 2016 (Item Key #382489) and resulted in anoverall rate increase of +5.0% to be effective November 17, 2016 for renewal business.

With this filing, the company proposes to revise the deviation rating factor from 1.74 to 1.852 as follows:

All Forms - DP-1, DP-2 and DP-3A +85.2% deviation (1.852 rating factor) is to be applied separately, to the premium computation for these coverages when applicable:

Fire buildingFire other structureFire contentsExtended, Broad and Special buildingsExtended, Broad and Special structures - otherExtended and Broad contentsVMM buildingVMM other structuresVMM contentsBroad Form TheftLimited Form TheftPersonal Liability

This change will result in an overall rate increase of +6.4% or +$65,116 (708 policyholders).

Item Key: 704066Date Submitted: 03/19/2018Clear Blue Insurance Company24 - SuretyInitial Rate and RuleSuretyInitial Rate and RuleClear Blue Commercial Surety Program

Company Reference: LA-SUR-CBI-18001-RA/RU

The above-captioned company wishes to file initial rate and rule for its Commercial Surety Program.



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With this filing, the company is submitting the following base rates by principal risk category:

The definitions for Bond Risk Category:

Compliance or Indemnity Bonds Lowest risk category of bonds generally required by state law, municipal ordinance or by

regulation as a condition precedent to the granting of a license to engage in a particular business or the granting of a permit to exercise a particular privilege.

Third-Party Indemnity or Financial Compliance Bonds: Similar to Compliance or Indemnity Bonds, these bonds are generally required for the granting

of a license and permit, but statutes or bond language require some form of financial compliance or indemnification to a third-party, usually a customer of the principal.

Financial Guarantee: Often required for tax obligations to local or state municipalities, Financial Guarantee bonds are

required to guarantee payments to the oblige for some type of financial obligation. Hazardous Financial Guarantee:

Highest risk category of bonds that guarantee payments to the oblige for a financial obligation and often contain other hazardous obligations or unfavorable loss history.

The definitions for Principal Risk Category:

Preferred Defined as an applicant with excellent credit who has demonstrated a history of timely payments

to creditors, has sufficient satisfactory accounts, limited past due balances, high credit

Bond RiskCategory Preferred Merit Standard Specialty Hazardous

Compliance orIndemnity BondsLow Risk 0.50% 0.50% 1.00% 2.00% 4.00%Standard Risk 0.75% 1.00% 2.00% 4.00% 7.00%High Risk 1.00% 1.50% 3.00% 5.00% 10.00%Third-PartyIndemnity or Financial Compliance BondsUltra-Low Risk 0.50% 0.50% 1.00% 2.00% 4.00%Low Risk 0.75% 1.00% 2.00% 4.00% 7.00%Standard Risk 1.00% 1.50% 3.00% 5.00% 10.00%High Risk 1.50% 2.00% 4.00% 7.50% 12.50%FinancialGuaranteeLow Risk 1.00% 1.50% 3.00% 5.00% 10.00%Standard Risk 1.50% 2.00% 4.00% 7.50% 12.50%Hazardous Financial Guarantee

2.00% 5.00% 7.50% 10.00% 17.00%

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availability, and a variety of creditor types. Merit

Defined as an applicant with above average credit who has demonstrated a history of timely payment to creditors and limited past due balances.

Standard Defined as an applicant with average credit who may have past due balances, dissatisfactory

accounts, below average credit availability, or lack of credit history. Specialty

Defined as an applicant with below average credit who may have past due balances,dissatisfactory accounts, below average credit availability, or lack of credit history.

Hazardous Defined as an applicant with poor credit who may have large past due balances, a lack of

satisfactory accounts, public records, or bankruptcies.

The above rates are subject to the adjustments described below if additional underwriting information isprovided. The individual cases will be considered but the debit or credit will not exceed the maximum allowed by the state on the base rate.

1. Base rate may be reduced up tp 25% for a principal who owns real estate and has for more than 12 months.

2. Base rate may be adjusted (up or down) up to 25% based on the analysis of the principal's financialstatement, internal financial controls, audits, underlying insurance, or if collateral is available.

3. Base rate may be adjusted (up or down) up to 25% based on the applicant or indemnitor's years of experience in the industry or industry qualifications.

4. Base rate may be adjusted (up or down) up to 25% based on the preparation quality, detail, and age of the financial information provided.

5. Base rate may be increased by 25% if the principal is a privately help company and personal indemnity is not provided.

6. Base rate may be adjusted (up or down) up to 25% based if the bond requirement is of an adverseselection or the bond liability is greater than the bond amount.

The following are:

Instant-Issue Bonds There are some bonds that are instant-issue without consideration of the applicant's credit

scores, experience, or financial condition because of the low risk of the obligation or competitive nature of the market. In these cases, the Principal Risk Category will default toMerit.

Prepaid Discounts Where annual premiums are paid in advance for two or more years and the annual premium

exceeds $100.00, a discount of 25% may be allowed on premiums for the second and subsequent years.

First Year and Renewal Premiums First year and renewal premiums, unless otherwise noted, shall be adjusted pro rata upon

termination. Term premiums are fully earned. Minimum Premium Rule

Rates in the table above are subject to a minimum premium of $100.00 except for Hazardous Financial Guarantee Bonds, which are subject to $250.00 minimum premium. The minimum premium shall be fully earned.

Notary Bonds Notary bonds will be issued for a flat rate of $50.00 for the full term of the bond.

The company has submitted a list of the Bond Classifications, showing SFAA Class Code, Description, and

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the assigned rate.

The company has also included the following bonds types:

Public Official Bonds Court Fiduciary Bonds Judicial Bonds

The company has also submitted ERISA rate pages and Dishonesty Janitorial Rates.


Item Key: 704096Date Submitted: 03/20/2018LYNDON SOUTHERN INSURANCE COMPANY19 - Private Passenger AutomobileRevised Rule onlyPrivate Passenger AutomobileProgram A

Company Reference: LDI RESOLVE (RULES) 03 18

Item Key: 704097Date Submitted: 03/20/2018LIBERTY INSURANCE CORPORATIONLIBERTY MUTUAL FIRE INSURANCE COMPANYFIRST LIBERTY INSURANCE CORPORATION, THE19 - Private Passenger AutomobileRevised Rate onlyPrivate Passenger AutomobilePrivate Passenger Auto ProgramRevised Rate

Company Reference: 18-LA-P-AO-R-LEG-DEDFRequested Effective Dates - New: N/A Renewal: 06/26/2018

The last rate revision to this program was +15.0% (+$4,503,042) which was approved under LDI Item Key #388427 with an effective date of 5/26/2017 for renewal business.

With this filing, the companies propose to lower the Liberty Mutual Deductible Fund to $30 regardless of the number of vehicles on the policy.

The rate impact associated with this filing is -0.004% (-$972) affecting 7,208 policyholders.



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Item Key: 704099Date Submitted: 03/20/2018LM General Insurance CompanyLM INSURANCE CORPORATIONLIBERTY PERSONAL INSURANCE COMPANY19 - Private Passenger AutomobileRevised Rate onlyPrivate Passenger AutomobilePrivate Passenger Auto ProgramRevised Rate

Company Reference: 18-LA-P-AO-R-GRS-DEDFRequested Effective Dates - New: 05/22/2018 Renewal: 06/26/2018


With this filing, the companies propose to lower the Liberty Mutual Deductible Fund to $30 regardless of the number of vehicles on the policy.

The rate impact associated with this filing is -0.017% (-$20,660), affecting 31,843 policyholders.

Item Key: 704100Date Submitted: 03/20/2018FOREMOST INSURANCE COMPANY19 - Private Passenger AutomobileRevised Rate and RulePrivate Passenger AutomobileMotorcycle ProgramRevised Rate and Rule

Company Reference: B-122Requested Effective Dates - New: 12/15/2018 Renewal: 12/15/2018



DefinitionsClass descriptions show the rating class code, unit at risk code, group code, and package codes available for each class. Our new packages include Saver, Plus, Elite, and Liability Only. Our current customers will move into the Pluspackage, as it offers the same coverage as our current program. We have created a Coverage Definition chart which refers to the codes used throughout the manual. Territories have also been added into the definition section.



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Premium DeterminationWe are moving to a rate calculation table format.

Annual Rates and PremiumsThis section of our manual contains the revised base rates for different coverages including transport trailer and optional equipment. The factors for Unit Value (new), Package Modifier (new), Territory, Limit of Liability, and Deductible are also included.

Premium Modifiers

• Operator Age and Marital Status - We are adding Constructed and Vintage Class to this modifier. We have also broken this modifer out into four groupings. The first group consists of Harley Davidson, Classic, Custom, Constructed, and Vintage classes. We also have groups for Sport and Street Classes.

• Classification - We are breaking out some of our classifications. Touring and Touring-Sport have additional classifications as well as Harley D, Harley G, High Performance B, and Moped. Trike has been split into Trike Conversion and Reverse Trike. We are adding Harley L as its own class as well as Constructed and Vintage.

• Age of Vehicle - We are adding Classic, Vintage, and Custom to this modifier.

• Insurance Score - We are removing Personal Responsibility I, as all policies have now been recalculated to PersonalResponsibility II. We have also changed the name to Insurance Score.

• Safety Equipment / Recovery Devices - This modifier will replace our anti-lock brake modifier and include anti-lock brakes, theft prevention devices, and theft recovery devices.

• Loyalty - This modifier replaces our current Renewal modifier.

The following new modifiers are being added:

• Years of Experience

• Years of Ownership

• Lay-up

• Advance Purchase

• Motorcycle Endorsement

• Locked Storage

• Defensive Driver Course

• Paid in Full

The following modifiers have been removed from this program:

• Air Bag

• Channel of Distribution

• Preferred Operator


The corresponding form filing is pending under company tracking number B-123, LDI Item Key Number 704901, with a

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requested approval date of 12/15/2018.

Item Key: 704129Date Submitted: 03/20/2018REPUBLIC FIRE AND CASUALTY INSURANCE COMPANY4 - HomeownersRevised Rate and Rule

Homeowners ProgramFiling in response to House Bill 392 andCorrection to Item Key #700977

Company Reference: LA-HO-1807-02-18005Requested Effective Dates - New: 07/01/2018 Renewal: 08/01/2018

The last adjustment to this program was approved in February 2016 (Item Key #333078) and resulted in anoverall rate increase of +2.9% to be effective March 31, 2016 for new business and April 30, 2016 for renewal business.

In March 2018, the company made a filing (Item Key #700977) in response to House Bill 392. It made changes to the Townhouse and Row House factors on Table 402 on Page 18.

With this filing, the company states "In response to Act 61 (HB 392) we revised the Protection Class factors in SERFF TRGR-131402653, LDI 700977. In reviewing both our filing and the PIAL/ISO filing which made similar changes it was noted that we made revisions to the townhouse/row house factors in error. Wehave corrected this".

With this filing, the company proposes to change the protection class factors for the townhouse/row house factors back to what was previously approved.


Item Key: 704138Date Submitted: 03/20/2018EVEREST NATIONAL INSURANCE COMPANY17 - Other LiabilityRevised Rule onlyCommercial Umbrella and ExcessRule Revision

Company Reference: LA-CU-20036866RRequested Effective Dates - New: 06/01/2018 Renewal: 06/01/2018

With this filing, the company proposes to introduce the rules for the following new endorsements:

EUM 21 913 04 16 - Exclusion - Access or Disclosure of Confidential or Personal Information and Data-Related Liability - With Limited Bodily Injury Exception (Mandatory);

EUM 21 914 04 16 - Exclusion - Access or Disclosure of Confidential or Personal Information and Data-Related Liability - Limited Bodily Injury Exception Not Included (Optional in lieu of EUM 21 913);


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EUM 21 915 04 16 - Exclusion - Access or Disclosure of Confidential or Personal Information and Data-Related Liability - With Limited Bodily Injury Exception (Mandatory); and

EUM 21 916 04 16 - Exclusion - Access or Disclosure of Confidential or Personal Information and Data-Related Liability - Limited Bodily Injury Exception Not Included (Optional in lieu of EUM 21 915).

The corresponding form filing has been approved under corresponding form filing number LA-CU-20036866F, LDI Item Key Number 336751, effective 6/1/2016.


Item Key: 704175Date Submitted: 03/21/2018THE CINCINNATI INSURANCE COMPANY19 - Private Passenger AutomobileWithdrawal of Rates or RulesPrivate Passenger AutomobilePersonal Auto ProgramWithdrawal of Filing #692621

Company Reference: C-A-17-3872B-LARequested Effective Dates - New: 04/01/2018 Renewal: 04/01/2018

With this filing, the company proposes to withdraw approved filing #692621. An error was made with when this filing wassubmitted and an updated filing will be resubmitted.


Item Key: 704195Date Submitted: 03/21/2018FEDERATED NATIONAL INSURANCE COMPANY17 - Other LiabilityWithdrawal of Rates or RulesCommercial General LiabilityInstallment PlanWithdrawal of Rates or Rules

With this filing, the company is withdrawing the installment program used in conjunctions with its Commercial General Liability Special Artisan Contractor's Liability Program. The rates and rules were previously approved under state tracking numbers

There are four policyholders that have a payment plan on their policy. The total written premium is $2815.00 for the four policyholders. This is a no rate impact filing. All active policyholders will receive a non-renewal notice notifying them that the program will no longer be available as of 06/15/2018. No ne or renewal business will be bound with an effective date of 06/15/2018 and forward.

The corresponding form(s), were withdrawn under Louisiana State Tracking Number 694350.



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Item Key: 704211Date Submitted: 03/21/2018GEICO CASUALTY COMPANY19 - Private Passenger AutomobileRevised Rate and RulePrivate Passenger AutomobilePrivate Passenger Auto ProgramRevised Rate and Rule



With this filing, the company proposes to introduce the Vehicle Damageability factor. This new factor will only apply to Bodily Injury, Property Damage, Collision, Comprehensive,Uninsured Motorist Bodily Injury, Economic Only Uninsured Motorist bodily Injury, Emergency Road service, medical Payments, and Uninsured Motorist Property Damage. Vehicles insured by the company prior to the introduction of this factor are not subject to this change as long as they remain continuously insured on their current policy and thus there is no rate level impact.


Item Key: 704279Date Submitted: 03/22/2018AXIS Insurance Company5 - Commercial Multiple PerilInitial Rate and RuleCommercial Multi-PerilGeneral Binding & Tow Truck Program

Company Reference: KDCCMP-2018-026-LA-AIC-R2The above-captioned company is filing initial rates/rules for the above-captioned program.

This program is targeted to those risks located throughout the United States that are involved in towing operations and middle market "main street" type businesses.

The company is initially adopting the following ISO Filing Designation Numbers:



CA-2014-BRLA1 CA-2015-RHLLC CA-2008-BRLA1 CA-2009-RLC1

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The following loss cost multipliers will be utilized:

Schedule rating plans and terrorism are included in this filing.

Schedule rating plans are included in this filing.

The company states that this program will be written on a package basis only.

The corresponding form(s) filing, LDI Form Filing No. 699217, Company Form Filing No. KDCCMP-2018-026-LA-AIC-F, was approved on March 20, 2018.

Item Key: 704283Date Submitted: 03/22/2018American Modern Property And Casualty Insurance Company4 - HomeownersRevised Rule onlyManufactured Home Program(Transition/Conversion of business from American Western Home Insurance Companyand American Southern Home Insurance Company)Including flood coverageCompany Reference: 20160823-01ARequested Effective Dates - New: 05/15/2018 Renewal: N/A

The initial rates and rules for the above-captioned program were approved in September 2017 (Item Key #396050) to be effective May 15, 2018.

With this filing, the company proposes a few minor amendments to the rules that should have been included in the initial filing.

Specific changes are as follows:

Rule C47, Windstorm or Hail Exclusion, has been revised to remove the Wind Pool verbiage. Old wording: 2. Windstorm or Hail Exclusion is only available in the Wind Pool zone. New wording: 2. Windstorm or Hail Exclusion is only available in Windstorm or Hail Deductible territories 6 and 7.

Rule F01, Inspection Fee, has been revised to remove the fully earned verbiage. Old wording: 2. Inspection fee is fully earned and is applicable when inspections are ordered either at new business or when new dwellings are added to the policy. New wording: 2. Inspection fee is applicable when inspections are ordered either at new business or when new dwellings are added to the policy.

CA-2017-BRLA1 CM-2016-RLA1 GL-2016-RELP1 GL-2015-BGL1GL-2014-BGL1 GL-2012-BGL1 GL-2012-RCTLC GL-2012-OELP1GL-2010-BGL1 GL-2008-BGL1 RP-2014-RGL14 GL-2017-BGL1CR-2015-RLA1 CR-2013-RLA1 CR-2011-RLA1 CR-2009-RLA1

CR-2008-RLC08 CR 2007-RLA1 CR-2006-RLC06 -Louisiana

CR-2003-RLA1-Louisiana

CR 99-RLC1 - Louisiana

LINE OF BUSINESS LOSS COST MULTIPLIERCommercial Auto (Physical Damage) 1.911

Commercial Auto (Liability) 1.770Commercial General Liability 1.659

Commercial Inland Marine 1.789Commercial Crime 1.807

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The Windstorm or Hail Deductible table header has been revised to add the word "Deductible" to the second column which now reads "Windstorm or Hail Deductible Territory".

The Named Storm Deductible table header has been revised to add the word "Deductible" to thesecond column which now reads "Windstorm or Hail Deductible Territory".

The Tenant rates Personal Property table header has been revised changing the "Factor" header to read "Rate($)".


Item Key: 704310Date Submitted: 03/22/2018American Modern Property And Casualty Insurance Company1 - PropertyRevised Rule onlyDwelling Program (Basic, Special and Vacant)(Transition/Conversion of business from American Western Home Insurance Companyand American Southern Home Insurance Company)Including flood coverageCompany Reference: 20160823-02ARequested Effective Dates - New: 05/15/2018 Renewal: N/A

The initial rates and rules for the above-captioned program were approved in August 2017 (Item Key #396326) to be effective May 15, 2018.

With this filing, the company proposes a few minor amendments to the rules that should have been included in the initial filing.

Specific changes are as follows:

Rule C47, Windstorm or Hail Exclusion, has been revised to remove the Wind Pool verbiage. Old wording: 2. Windstorm or Hail Exclusion is mandatory and only available in the Wind Pool zone. New wording: 2. Windstorm or Hail Exclusion is mandatory and only available in Windstorm or Hail Deductible territory 7.

Rule F01, Inspection Fee, has been revised to remove the fully earned verbiage. Old wording: 2. Inspection fee is fully earned and is applicable when inspections are ordered either at new business or when new dwellings are added to the policy. New wording: 2. Inspection fee is applicable when inspections are ordered either at new business or when new dwellings are added to the policy.

The Dwelling Basic Rates Residence Type table has been revised to add Vacant occupancy rows for Earthquake (1, 2, 3 & 4 family).

The Dwelling Special All Other Peril Deductible table has been revised to remove water damage.


Item Key: 704339Date Submitted: 03/23/2018HANOVER AMERICAN INSURANCE COMPANY, THEMASSACHUSETTS BAY INSURANCE COMPANYHANOVER INSURANCE COMPANY, THE19 - Commercial Automobile

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Revised Rate and RuleCommercial AutomobileRevised Rate and Rule

Company Reference: LA-CA-18173Requested Effective Dates - New: 08/01/2018 Renewal: 08/01/2018

The last rate revision to this program was +5.3% or $263,726 which was approved under LDI Item Key Number 321414 effective 12/15/2015 for both new and renewal business.

With this filing, the companies propose the following revisions:

1. Loss Costs and Loss Cost Modifiers Revise the proprietary loss costs for PPT, TTT, Public, and Hired Auto vehicle types; Revise the proprietary loss costs Uninsured Motorist coverage; and Revise the Loss Cost Multipliers (LCM) as follows:


Company Coverage Territory Current LCM Proposed LCMThe Hanover AmericanInsurance Company

Liability 003, 004, 007, 011, 013, 014 1.567 1.504

All Other 1.714 1.645Other Than Collision

003, 004, 007, 011, 013, 014 1.384 1.329

All Other 1.514 1.453

Collision 003, 004, 007, 011, 013, 014 1.339 1.285

All Other 1.464 1.405UM/UIM All 1.561 1.499

The Hanover InsuranceCompany

Liability 003, 004, 007, 011, 013, 014 2.237 2.148


003, 004, 007, 011, 013, 014 1.978 1.899

All Other 2.164 2.077

Collision 003, 004, 007, 011, 013, 014 1.912 1.836


Massachusetts BayInsurance Company

Liability 003, 004, 007, 011, 013, 014 2.014 1.933


003, 004, 007, 011, 013, 014 1.780 1.709

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2. Increased Limit FactorsUpdate the increased limit factors by adopting Insurance Services Office, Inc. (ISO) designation CA-2017-IALL1 which was approved for ISO under LDI Item Key Number 393237 effective 11/1/2017.

3. Minimum PremiumClarify the language of the policy-writing minimum premium state exception. The minimum premium is remaining the same.

4. Composite and Retrospective Rating PlansUpdate the rating plans by adopting the following ISO designations:

RP-2016-RRP16 which was approved for ISO under LDI Item Key Number 388183 effective 8/1/2017; and

RP-2016-RCR16 which was approved for ISO under LDI Item Key Number 388190 effective 8/1/2017.

The rate revision associated with this filing +7.6% or $313,553 affecting 887 policyholders.

Item Key: 704385Date Submitted: 03/23/2018SOUTHERN UNDERWRITERS INSURANCE COMPANYSOUTHERN INSURANCE COMPANY26 - Burglary And TheftNon-renewalCommercial Burglary and TheftNon-renewalStandard Commercial Crime and Fidelity (ISO Program)

Company Reference: LA-CR-1807-05-2028Requested Effective Dates - New: N/A Renewal: 07/01/2018

The last adjustment to this program occurred in April 2016 under the Prior Approval provision (Item Key#335517) to be effective October 1, 2016.

With this filing, in accordance with Directive 201 the companies are filing their intent to non-renew existingcommercial crime and fidelity policies, and transfer existing business to sister companies.

With these changes there is a rate decrease of -0.800% or -$115 (23 policyholders).

The companies are requesting an effective renewal date of July 1, 2018.

The companion form(s) filing, LDI Form Filing No. 704241, Company Filing No. LA-CR-1807-01-2028, was acknowledged effective July 1, 2018 for renewal.

All Other 1.948 1.870

Collision 003, 004, 007, 011, 013, 014 1.721 1.652



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Item Key: 704388Date Submitted: 03/23/2018AMERICAN ALTERNATIVE INSURANCE CORPORATION17 - Other LiabilityRevised Rate onlyEmployer Stop Loss Program

Company Reference: ESL 6000 (09 2014) 2018 REV RATES

Listed below is the history for the above-captioned program:

The company is making the following revisions to the Specific Deductible Rate Manual:

Base Rates: Updating by leverage trend from 1/1/17 to 1/1/18. The base rates reflect the rates from the specific deductible up to the excess layer of $1,000,000.

Trend: Updating with review of MarketScan data, industry manuals and MRSL experience and to be applied for policies effective after 1/1/18.

Age/Sex Factor: Updating with review of MarketScan data, industry manuals and MRSL experience Area Factor: Updating with review of MarketScan data, industry manuals and experience. Age/Sex Factor: Updating with review of MarketScan data, industry manuals and experience. Dependent Factor: Updating with review of MarketScan data, industry manuals and experience. Non-Standard Contracts: Updating with review of MarketScan data, industry manuals and MRSL

experience. Excess Load: The excess load updated for 1/1/18 effective, and is applied at $1,000,000. Expense Load: Increasing external vendor free from 3.0% to 3.5%, and reducing carrier fee from

2.9% to 2.4%, so net effect of expense load is 0.0%.

These changes will result in a +25.8% rate increase or +$241,799.

There will be 2 Louisiana policyholders affected by this rate increase.

Item Key: 704397Date Submitted: 03/23/2018UNUM INSURANCE COMPANY17 - Other LiabilityRevised Rate only

Stop Loss ProgramRenewal Rate Increase Cap


Item Key No. 392773 Revised Rate Only +25.8% Approved, effective April 20, 2017Item Key No. 335754 Revised Rate Only +18.0% Approved, effective April 5, 2016Item Key No. 334383 Revised Rate Only +18.0% Withdrawn by CompanyItem Key No. 320007 Initial Rate and Rule Approved effective April 2, 2015

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Company Reference: STOP LOSS - RIDERSThis company's initial rates/rules for the above-captioned program was filed and approved under the "Prior Approval" provision, Item Key No. 393765, effective August 1, 2017.

The company is introducing the rates to be used in conjunction with its Renewal Rate Increase Cap Rider. This product offers defined protection against large variances in employer cost from one year to the next. There is no rate surcharge for a standalone No New Special Risk election. However, the Renewal RateIncrease Cap (with or without No New Special Risk) carries surcharges to the monthly Specific rates as follows:

The corresponding form(s) filing, LDI Form Filing No. 704394, Company Form Filing No. STOP LOSS -RIDERS, was certified approved effective April 2, 2018.

A SERFF "Objection Letter" was sent to Ms. Michelle Trask on April 10, 2018 for additional information.

Item Key: 704398Date Submitted: 03/23/2018UNUM LIFE INSURANCE COMPANY OF AMERICA17 - Other LiabilityRevised Rate only

Stop Loss ProgramRenewal Rate Increase Cap

Company Reference: STOP LOSS - RIDERSThis company's initial rates/rules for the above-captioned program was filed and approved under the "Prior Approval" provision, Item Key No. 393767, effective August 1, 2017.

The company is introducing the rates to be used in conjunction with its Renewal Rate Increase Cap Rider. This product offers defined protection against large variances in employer cost from one year to the next. There is no rate surcharge for a standalone No New Special Risk election. However, the Renewal RateIncrease Cap (with or without No New Special Risk) carries surcharges to the monthly Specific rates as follows:

The corresponding form(s) filing, LDI Form Filing No. 704394, Company Form Filing No. STOP LOSS -RIDERS, was certified approved on April 2, 2018.

A SERFF "Objection Letter" was sent to Ms. Michelle Trask on April 10, 2018 for additional information.

Item Key: 704402Date Submitted: 03/23/2018ALLMERICA FINANCIAL BENEFIT INSURANCE COMPANY


Maximum Renewal Increase 49% 45% 40%

Premium Surcharge 1.055 1.070 1.100


Maximum Renewal Increase 49% 45% 40%

Premium Surcharge 1.055 1.070 1.100

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19 - Commercial AutomobileRevised Rate and RuleCommercial AutomobileRevised Rate and Rule


The last rate revision to this program was +11.1% or $420,977 which was approved under LDI Item Key Number 325450 effective 12/15/2015 for both new and renewal business.


1. Loss Costs and Loss Cost Modifiers Revising the proprietary loss costs for PPT, TTT, Public, and Hired Auto vehicle types. Revise the Loss Cost Multipliers (LCM) as follows:

2. Increased Limit FactorsUpdate the increased limit factors by adopting Insurance Services Office, Inc. (ISO) designation CA-2017-IALL1 which was approved for ISO under LDI Item Key Number 393237 effective 11/1/2017.

3. Zip Code Factors (Rule A11. RACA Zip Code Factor)Adjust the zip code rating factors and update the caps associated with the factors.

4. Minimum PremiumClarify the language of the policy-writing minimum premium state exception. The minimum premium is not being revised.

5. Pricing Avenues (Appendix A - Avenue Assignment)Revise the tier mapping.

6. Composite and Retrospective Rating PlansAdopting the following ISO designations to update the rating plans:

RP-2016-RCP16 which was approved for ISO under LDI Item Key Number 388190 effective 8/1/2017, and

RP-2016-RRP16 which was approved for ISO under LDI Item Key Number 388183 effective 8/1/2017.


Item Key: 704412Date Submitted: 03/23/2018SOUTHERN UNDERWRITERS INSURANCE COMPANY


Coverage Current LCM Proposed LCMLiability 1.800 1.749Physical Damage 1.510 1.600UM/UIM 1.800 1.749

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SOUTHERN INSURANCE COMPANY9 - Inland MarineWithdrawal of Rates or RulesCommercial Inland MarineDirective 201 - Non-renewal

Company Reference: LA-CM-1807-05-2028Requested Effective Dates - New: N/A Renewal: 07/01/2018

The above-captioned companies are non-renewing policies for their Commercial Inland Marine (ISO)program.

The companies state that all renewals will be moved to one of the following companies starting 07/01/2018:

1. AmTrust Insurance Company of Kansas (AICK)2. Security National (SNIC)3. Technology Insurance Company (TIC)4. Wesco Insurance Company (WIC)5. Republic Underwriters (RUIC)6. Republic Fire and Casualty (RFC)

Companion forms (Item Key Number 704417 or Company Reference Number LA-CM-1807-01-2028) were still pending as of 03/26/2018.

This filing will result in an overall rate decrease of -0.80%.

Item Key: 704416Date Submitted: 03/23/2018FOREMOST PROPERTY AND CASUALTY INSURANCE COMPANY19 - Private Passenger AutomobileInitial Rate and RulePrivate Passenger AutomobileMotorcycle ProgramRevised Rate and Rule



With this filing, the company proposes to offer multiple package options for a wide array of motorcycle types. The company further proposes the following changes:

Make the manual pages state specific and eliminate extraneous material;



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Added Assignment of Operators to Motorcycles; Revise the rates and update the rate section appropriately; Definitions - Update the definitions to the new packages of Saver, Plus, Elite, and

Liability Only and added territories to the definition section; Premium Determination - Changing to a rate calculation table format; Annual Rates and Premiums - Revise the base rates for different coverages including

transport trailer and optional equipment; Operator Age and Marital Status - Adding Constructed and Vintage Class to this

modifier; this modifier has also been broken out into the four modifiers (Harley Davidson, Classic, Custom, Constructed and Vintage)

Classification - Some of the classifications have been split; Age of Vehicle - Adding Classic, Vintage, and Custom to this modifier; Insurance Score - Removal of Personal Responsibility I and changed the name to

Insurance Score; Safety Equipment/Recovery Devices - This modifier will replace the anti-lock brake

modifier and include anti-lock brakes, theft prevention devices and theft recovery devices;

Loyalty - This modifier replaces the current Renewal modifier; The following modifiers are being added - Years of Experience, years of ownership, Lay-

up, Advance Purchase, Motorcycle Endorsement, Locked Storage, Defensive Driver Course, and Paid in Full; and

The following modifiers are being removed - Air Bag and Preferred Operator.


Item Key: 704418Date Submitted: 03/23/2018FOREMOST INSURANCE COMPANY19 - Private Passenger AutomobileInitial Rate and RulePrivate Passenger AutomobileOff-Road Vehicle ProgramRate and Rule Revision


The last rate revision to this program was +15.4% (+$50,764) which was approved under LDI Item Key #336937 with effective dates of 10/1/2016 for new business and 11/1/2016 forrenewal business.


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With this filing, the company proposes to provide multiple package options for a wide array of off-road vehicle types. The base policy and forms have been revised. The company further proposes the following changes:

Make the manual pages state specific and eliminate extraneous material; Added and revised Assignment of Operators to Off-Road Vehicles; Revise the rates and update the rate section appropriately; Definitions - Update the definitions to the new packages of Saver, Plus, Elite, and

Liability Only and added territories to the definition section; Premium Determination - Changing to a rate calculation table format; Annual Rates and Premiums; Operator Age and Marital Status Modifier - Broken out into two groups; Classifications Modifier - Expanded the cc groupings for Regular ATV, high Performance

ATV, and Performance Utility ATV; Age of Vehicle Modifier - Adding Side by Side, Golf Cart, and Dune Buggy; Insurance Score - Removal of Personal Responsibility I and changed the name to Insurance Score; Safety Equipment/Recovery Devices - This modifier will replace the anti-lock brake

modifier and include anti-lock brakes, theft prevention devices and theft recovery devices;

Loyalty - This modifier replaces the current Renewal modifier; The following new modifiers are being added - Years of Experience, Years of Ownership,

Lay-Up, Advance Purchase, Locked Storage, and Paid in Full; and The following modifier is being removed - Channel of Distribution.

The rate impact associated with this filing is +16.50% (+$53,073), affecting 1,179policyholders.

The corresponding form filing was approved under company tracking number B-127,LDI Form Filing ID #704415, with an approval date of 4/4/2018.

Item Key: 704419Date Submitted: 03/23/2018Clear Blue Insurance Company19 - Commercial AutomobileLoss Cost Adoption

Commercial AutomobileNorman-Spencer ProgramLoss Cost Adoption

Adoption of ISO Designation CA-2017-BRLA1

Overall % Impact: +0.500%

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Company Reference: LA-CA-NS-18010-RARequested Effective Dates - New: 04/15/2018 Renewal: 04/15/2018

The last rate revision to this program was the initial filing which was approved under LDI Item Key Number 392879 effective 5/3/2017.

With this filing, the company propose to adopt Insurance Services Office, Inc. (ISO) designation CA-2017-BRLA1 which was approved under LDI Item Key Number 393191 effective 11/1/2017.

The company is not proposing to revise the current Loss Cost Multipliers (LCM) which are as follows:

The rate impact associated with this filing is +0.5% or $254 affecting 1 policyholder.

Item Key: 704424Date Submitted: 03/23/2018Liberty Mutual Fire Insurance Company9 - Inland MarineInitial Rate and RuleCommercial Inland MarineContractor’s Equipment Program

Company Reference: 2018-MU-2-IM-G-RRequested Effective Dates - New: 05/08/2018 Renewal: 05/08/2018

The above-captioned company is

Companion forms (Item Key Number 704420 or Company Reference Number 2018-MU-2-IM-G-F) were still pending as of 03/28/2018.


Item Key: 704464Date Submitted: 03/26/2018FCCI Insurance CompanyMONROE GUARANTY INSURANCE COMPANYNATIONAL TRUST INSURANCE COMPANY26 - Burglary And TheftAdoptionCommercial Burglary and TheftAdoption of ISO Designation Filing Number CR-2017-ORRSACommercial Crime

Company Reference: CR-LA-22859RURequested Effective Dates - New: 02/01/2019 Renewal: 02/01/2019

Overall $ Impact: $254# of Policyholders: 1

Coverage LCMLiability 1.725

Physical Damage 1.800



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The above-captioned companies are filing to adopt the following Insurance Services Office, Inc. (ISO) filing designation number: CR-2017-ORRSA, Item Key #391856, with an effective date of September 1, 2017.

This filing is for new Rule 19 - Employee Retirement Income Security Act (ERISA), and revised Rule 13 -Basic Forms and Endorsement Applicable and Rules 19 - 24 which are reserved for future use.

The companies are requesting an effective date of February 1, 2019.

The corresponding form(s) filing, LDI Form Filing No. 704482, Company Form Filing No. CR-LA-22859F was approved acknowledged with a delayed adoption effective date of February 1, 2019.

Item Key: 704588Date Submitted: 03/28/2018AMERICAN BANKERS INSURANCE COMPANY OF FLORIDA5 - Commercial Multiple PerilInitial Rate and RuleBusinessowners ProgramInitial Adoption of Numerous ISO/PIAL Filing Designation Numbers

Company Reference: ABF-CMP-BOP-LA-1802RRequested Effective Dates - New: 04/01/2018 Renewal: N/A

The above-captioned company is filing initial rates/rules for the above-captioned program.

The company is initially adopting the following ISO/PIAL Filing Designation Numbers:

The company will be utilizing a loss cost multiplier of 1.795.

A Individual Risk Premium Modification Plan and terrorism is included in this filing.

The corresponding form(s) filing, LDI Form Filing No. 698950, Company Form Filing No. ABF-CMP-BOP-LA-180F, was approved effective March 20, 2018.

A SERFF "Objection Letter" was sent to Ms. Neresa Torres on March 28, 2018 for additional information.

Item Key: 704605Date Submitted: 03/28/2018REPUBLIC FIRE AND CASUALTY INSURANCE COMPANYSOUTHERN UNDERWRITERS INSURANCE COMPANYSOUTHERN INSURANCE COMPANY16 - Workers CompensationInformational FilingWorkers CompensationInformational Filing

Company Reference: LA-WC-1807-05-2028Requested Effective Dates - New: N/A Renewal: 07/01/2018



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With this Informational Filing, the above-captioned program wishes to non-renew existing commercialumbrella policies and transfer existing business to sister companies, 07/01/2018.

In April of 2016 AmTrust acquired Republic Group. All renewals will be moved to one of the following AmTrust companies:

AmTrust Company of Kansas (AICK)Technology Insurance Company (TIC)Wesco Insurance Company (WIC)Milford Casualty (MCIC)

Company placement will be done to minimize any potential rate effect.

The companies expect the overall effect to be a -4.40% rate impact.

The effect varies by company and its closest match in the existing AmTrust carriers, from +2.20% to -13.80%.

The only effect is in the change in rating.

Item Key: 704609Date Submitted: 03/28/2018NORTH RIVER INSURANCE COMPANY, THEUNITED STATES FIRE INSURANCE COMPANYCRUM & FORSTER INDEMNITY COMPANY17 - Other LiabilityRevised Rule onlyCommercial General Liability

Company Reference: 2017 EPLI - RRequested Effective Dates - New: 04/26/2018 Renewal: 04/26/2018

Item Key: 704615Date Submitted: 03/28/2018STATE FARM FIRE AND CASUALTY COMPANY4 - HomeownersRevised Rate and RuleHomeowners Program

Company Reference: HO-40548Requested Effective Dates - New: 05/15/2018 Renewal: 07/01/2018

The last adjustment to this program was approved in March 2017 (Item Key #390519) and resulted in an overall rate increase of +1.1% to be effective May 15, 2017 for new business and July 1, 2017 for renewal business.

With this filing, the company proposes the following:


Overall % Impact: 0.0Overall $ Impact: $-21,039# of Policyholders: 299422

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These changes will result in an overall 0.0% or -$21,039 (299,422 policyholders).

Item Key: 704623Date Submitted: 03/28/2018ZURICH AMERICAN INSURANCE COMPANY17 - Other LiabilityRevised Rate and RuleProfessional Liability - E&OTravel Agent Program

Company Reference: 41381The last rate adjustment for the above-captioned company was filed and approved under the 'Prior Approval" provision, Item Key Number 382869 effective 08/26/2016.

With this filing, the company is introducing three new rules to be used in conjunction with its Travel Agents and Toru Operators Liability Program.

U-TAP-259 Crisis Response and Emergency Assistance Reimbursement - This endorsement adds a new insuring agreement to add additional coverage for Crisis Response and Emergency Assistance due to an interruption of a scheduled tour. It is optional for the policyholder and is provided with no rate impact.

U-TAP-260 Disablement Contingency Coverage - This endorsement adds a new insuring agreement to add additional coverage in the event of disablement of a motor coach, bus, or van during a scheduled tour. It is optional for the policyholder and is provided with no rate impact.

U-TAP-261 Misquotation or Misstatement of Price - Provides coverage for claims/suits arising out of any misquotation or misstatement of price, subject to the deductible. It is optional for the policyholder. Rating is subject to the deductible chosen.

Deductible Charge$500 $250$1,000 $200$2,500 $150$5,000 $100$10,000 $75


The corresponding form(s), LDI Form Filing Number 694031, Company Form Filing Number 39430 was approved 02/12/2018.


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Item Key: 704630Date Submitted: 03/28/2018EVEREST NATIONAL INSURANCE COMPANY19 - Commercial AutomobileRevised Rate onlyCommercial Automobile


Item Key: 704648Date Submitted: 03/28/2018MARKEL INSURANCE COMPANY17 - Other LiabilityRevised Rate and RuleProfessional Liability - E&O

Company Reference: 1708RR024-ARequested Effective Dates - New: 07/01/2018 Renewal: N/A

The last rate adjustment for the above-captioned company was filed and approved under the "Prior Approval" provision, Item Key Number 687980 effective 07/01/2018.

With this filing, the company is revising the following previously approved rules used in conjunction with the above-captioned program.

MIC-ST-1-LA (7/1/2017) – revised E. Policy Minimum Premium aggregate limit minimum to $250,000. Removed lower limits $25,000, $50,000 and $100,000.

MIC-ST-4-LA (7/1/2017) – revised increased limit factors minimum to $250,000. Removed lower limits$100,000.

MIC-ST-9-LA (7/1/2017) – revised D.2. Additional Claim Expenses Policy Aggregate Limit of Liability form MST 1223 to be optional for aggregate limits equal to or greater than $500,000 and mandatory for policies with an aggregate limit that is less than $500,000. D.3. has been revised to remove the word optional.


The corresponding form(s), LDI Form Filing Number 700186, Company Form Filing Number 1708FF024-B was approved effective 07/01/2018.

Item Key: 704678Date Submitted: 03/28/2018NORTH RIVER INSURANCE COMPANY, THE17 - Other LiabilityRevised Rule only



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Commercial Umbrella and ExcessExcess Insurance Policy ProgramRule Revision

General Rule 2A. Description of Excess Liability Coverage

Company Reference: 2018 EXCESS MANAGEMENT RRequested Effective Dates - New: 04/27/2018 Renewal: 04/27/2018

With this filing, the company proposes to expand General Rule 2A., Description of Excess Liability Coverage, to include excess management liability and cyber liability coverages.

The corresponding form filing has been submitted under company tracking number 2018 EXCESS MANAGEMENT F, LDI Item Key Number 704675.


Item Key: 704709Date Submitted: 03/29/2018Independence American Insurance Company9 - Inland MarineInitial Rate and RulePersonal Inland MarineInitial Rate and Rule

Company Reference: IAIC PETPARTNERS ACCIDENT AND ILLNESS RATE FILING LAThe above-captioned company is introducing a Pet Health Insurance Program under its Personal Inland Marine line.

Companion forms (Item Key Number 704693 or Company Reference Number IAIC PETPARTNERS ACCIDENT AND ILLNESS FORM FILING LA) were still pending as of 04/03/2018.


Item Key: 704715Date Submitted: 03/29/2018GREAT AMERICAN INSURANCE COMPANYGREAT AMERICAN ASSURANCE COMPANYGREAT AMERICAN INSURANCE COMPANY OF NEW YORKGREAT AMERICAN ALLIANCE INSURANCE COMPANY26 - Burglary And TheftLoss Cost AdoptionCommercial Burglary and TheftAdoption of ISO Loss Cost Designation Filing Number CR-2017-RLA1ISO Crime and Fidelity Multistate Loss Cost





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The last adjustment to this program occurred in July 2016 under the Prior Approval program (Item Key#339485) to be effective February 1, 2017.

The above-captioned companies wish to adopt the following Insurance Services Office, Inc. (ISO) filingdesignation number: CR-2017-RLA1, Item Key #687911, with an effective date of June 1, 2018.

With this adoption there is a rate decrease of -21.1% or $132,907 (30 policyholders).

The loss cost multiplier (LCM) is being revised to 1.87 with no deviation.

The companies are requesting an effective date of July 14, 2018.

Item Key: 704722Date Submitted: 03/29/2018Surety & Fidelity Association of America, The24 - SuretyRevised Rate onlySurety

Company Reference: LA-SLC-11Requested Effective Dates - New: 07/01/2018 Renewal: 07/01/2018

Item Key: 704724Date Submitted: 03/29/2018SOUTHERN UNDERWRITERS INSURANCE COMPANYSOUTHERN INSURANCE COMPANY17 - Other LiabilityWithdrawal of Rates or RulesEmployment Practices LiabilityDirective 201 Non-renewal

Company Reference: LA-EP-1807-05-2028Requested Effective Dates - New: N/A Renewal: 07/01/2018

In accordance with Directive 201, the above-captioned companies are non-renewing existing commercialemployment practices liability insurance polices, and transfer this existing business to sister companies.

In April of 2016, AmTrust acquired Republic Group. Since that time, filings have been made to enable the companies to move all existing Republic business onto the AmTrust policy processing platform. Southern and Southern Underwriters are not being programmed onto the AmTrust platform. All renewals beginning 07/01/2018 will be moved to one of the following AmTrust companies:

AmTrust Insurance Company of Kansas (AICK)Security National (SNIC) Technology Insurance Company (TIC)Wesco Insurance Company (WIC)



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Republic Underwriters (RUIC) Republic Fire and Casualty (RFC)

Company placement will be based on the company the GL policy is in. EPLI is reinsured 100% and the rates in all companies are identical. The AmTrust EPLI rates are lower than existing Republic rates and policyholders will see a rate decrease.

The overall effect of the transfers will be -10.2% rate decrease or -$21,051.

There will be 250 Louisiana policyholders affected by this rate decrease.

The corresponding form(s) filing, LDI Form Filing No. 704741, Company Form Filing No. LA-EP-1807-01-2028, was acknowledged effective July 1, 2018 for renewal business.

Item Key: 704727Date Submitted: 03/29/2018EMPLOYERS COMPENSATION INSURANCE COMPANYEMPLOYERS PREFERRED INSURANCE COMPANYEMPLOYERS ASSURANCE COMPANY16 - Workers CompensationLoss Cost AdoptionWorkers CompensationLoss Cost Adoption of NCCI Filing Reference Number LA-LC-2017-01

Company Reference: LA RR EPIC EAC ECIC 05.01.2018 ECIC-131439630Requested Effective Dates - New: 05/01/2018 Renewal: 05/01/2018

The initial loss cost adoption to the above-captioned program was filed and approved under "Prior Approval" provision Item Key Number 394287, which resulted in an overall -9.80% rate decrease, effective 07/01/2017.

With this filing, the company wishes to adopt NCCI Filing Reference Number LA-LC-2017-01, approved under StateTracking Number 687014, effective 05/01/2018.

The company will retain use of the following loss cost multipliers:

There is an overall +0.40% rate increase or +$78 as a result of this filing.



Company Current Loss Cost Multiplier Proposed Loss Cost Multiplier Employers Compensation

Insurance Company 1.900 1.900

Employers Preferred InsuranceCompany 1.400 1.400

Employers Assurance Company 1.650 1.650

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Item Key: 704732Date Submitted: 03/29/2018Encompass Property and Casualty Company19 - Commercial AutomobileRevised Rate and RulePrivate Passenger Automobile

Company Reference: ER3693: VEHICLE PREDICTION MODELRequested Effective Dates - New: 09/27/2018 Renewal: 09/27/2018

Item Key: 704746Date Submitted: 03/29/2018RLI Insurance Company17 - Other LiabilityRevised Rate and RuleCommercial General Liability

Company Reference: RLI-LA-GL-RR-2017Requested Effective Dates - New: 09/01/2018 Renewal: 09/01/2018

Item Key: 704752Date Submitted: 03/29/2018Arch Mortgage Guaranty Company6 - Mortgage GuarantyRevised Rate onlyMortgage Guaranty

Company Reference: 013.17 ARCH (LP BULK)Requested Effective Dates - New: N/A Renewal: 05/14/2018

Item Key: 704759Date Submitted: 03/29/2018GREAT AMERICAN INSURANCE COMPANYGREAT AMERICAN ASSURANCE COMPANYGREAT AMERICAN INSURANCE COMPANY OF NEW YORKGREAT AMERICAN ALLIANCE INSURANCE COMPANY1 - PropertyRevised Rule onlyCommercial Property (Fire and Allied Lines)

Company Reference: 18045Requested Effective Dates - New: 07/01/2018 Renewal: N/A





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Item Key: 704761Date Submitted: 03/29/2018ALLSTATE PROPERTY AND CASUALTY INSURANCE COMPANY19 - Private Passenger AutomobileRevised Rate onlyPrivate Passenger Automobile

Company Reference: R32345Requested Effective Dates - New: 07/02/2018 Renewal: 07/02/2018

Item Key: 704829Date Submitted: 04/02/2018AMERICAN ALTERNATIVE INSURANCE CORPORATIONAMERICAN FAMILY HOME INSURANCE COMPANYAMERICAN SOUTHERN HOME INSURANCE COMPANY17 - Other LiabilityRevised Rule onlyCommercial General Liability

Company Reference: LB-GL-RU-GEN-MU-2018-1Requested Effective Dates - New: 05/01/2018 Renewal: 05/01/2018

With this filing, the company is revising the following rule used in conjunction with the above-captioned program.

Revising Rule 3, Edition 01 18 adding reference to new enhancements to revised Social Service Commercial General Liability Enhancement Endorsement, form CGL 0005, and Educational Commercial GeneralLiability Enhancement Endorsement, form CGL 0007.

The company is also introducing the following new rule that will be used with the program.

Item Key: 704850Date Submitted: 04/02/2018Campmed Casualty & Indemnity Company, Inc.11 - Medical MalpracticeInitial Rate and RuleMedical MalpracticeMedical Professional Liability Program

Company Reference: LA-MM-17160RRequested Effective Dates - New: 06/01/2018 Renewal: N/A

The above-captioned company is filing initial rates/rules for the above-captioned program.

This program was developed to write multiple classes of medical professional liability business, including,




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but not limited to, physicians, surgeons, dentists, podiatrists, psychiatrists, physicians' assistants and nursepractitioners.

A schedule rating plan is included in this filing.

The requested rates/rules require approval of companion form(s), LDI Form Filing No. 704827, Company Form Filing No. LA-MM-17160F.

A SERFF "Objection Letter" was sent to Ms. Shannon Billington on April 4, 2018 for additional information.

Item Key: 704861Date Submitted: 04/02/2018GREAT AMERICAN INSURANCE COMPANY27 - Boiler And MachineryInitial Rule onlyBoiler & Machinery or Equipment Breakdown2018 MACHINE TOOL OPERATOR ERROR PROGRAM (MTE)

Company Reference: LA180220100030Requested Effective Dates - New: 05/14/2018 Renewal: 05/14/2018

With this initial filing, the above-captioned company wishes to introduce its 2018 MACHINE TOOL OPERATOR ERROR PROGRAM (MTE), effective 05/14/2018.

This program will cover machine tools ranging in value from $0 to $1,000,000 with the option to add a $10,000 aggregate limit on machine tool accessories. The program's named insureds will be machine shop owners.

The annual loss cost per 100 is $0.46.

There is a minimum annual premium of $500 for each policy.

For optional coverages, the minimum loss is $250 with a zero dollar deductible and the aggregate limit of insurance of $10,000.

Item Key: 704870Date Submitted: 04/02/2018Starr Indemnity & Liability Company16 - Workers CompensationLoss Cost AdoptionWorkers CompensationLoss Cost Adoption of NCCI Filing Reference Number LA-LC-2017-01

Company Reference: STARR-WC-LA-18Requested Effective Dates - New: 05/01/2018 Renewal: 05/01/2018

The last rate adjustment to the above-captioned program was filed and approved under "Prior Approval" provision



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Item Key Number 391955, which resulted in an overall -8.50% rate decrease, effective 05/01/2017.


The company will revise its loss cost multiplier from 1.719 to 1.702.

There is an overall -2.00% rate decrease or -$164,981 as a result of this filing.


Item Key: 704873Date Submitted: 04/02/2018Union Insurance CompanyUNION INSURANCE COMPANYCONTINENTAL WESTERN INSURANCE COMPANY16 - Workers CompensationLoss Cost AdoptionWorkers CompensationLoss Cost Adoption of NCCI Filing Reference Number LA-LC-2017-01

Company Reference: 18-WC-RT-66Requested Effective Dates - New: 07/01/2018 Renewal: 07/01/2018



The company will retain use of the following loss cost multiplier:



Item Key: 704877Date Submitted: 04/02/2018CAROLINA CASUALTY INSURANCE COMPANY16 - Workers CompensationLoss Cost AdoptionWorkers CompensationAdoption of NCCI Loss Cost Designation Number LA-LC-2017-01


Company Loss Cost MultiplierContinental Western Insurance Company 1.790

Union Insurance Company 1.430

Overall % Impact: -2.230

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Company Reference: CCIC-WC-18-001-LARequested Effective Dates - New: 05/01/2018 Renewal: 05/01/2018

Item Key: 704885Date Submitted: 04/02/2018MIDWEST EMPLOYERS CASUALTY COMPANY16 - Workers CompensationLoss Cost AdoptionWorkers CompensationLoss Cost Adoption of NCCI Filing Reference Number LA-LC-2017-01

Company Reference: MECC-WC-18-001-LARequested Effective Dates - New: 05/01/2018 Renewal: 05/01/2018

The last rate adjustment to the above-captioned program was filed and approved under "Prior Approval" provision Item Key Number 389904, which resulted in an overall 1.60% rate increase, effective 05/01/2017.


The company will revise its loss cost multiplier from 1.593 to

There is an overall -4.880% rate decrease or -$8,466 as a result of this filing.


Item Key: 704890Date Submitted: 04/02/2018STARNET INSURANCE COMPANY16 - Workers CompensationLoss Cost AdoptionWorkers CompensationLoss Cost Adoption of NCCI Filing Reference Number LA-LC-2017-01

Company Reference: SIC-WC-18-001-LARequested Effective Dates - New: 05/01/2018 Renewal: 05/01/2018



The company will revise its loss cost multiplier from 1.462 to 1.447 amended from 1.379.


Overall $ Impact: $-2,084# of Policyholders: 14



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Item Key: 704927Date Submitted: 04/02/2018Allied World Insurance Company17 - Other LiabilityLoss Cost AdoptionCommercial General LiabilityAdoption of ISO Loss Cost Designation Filing Number GL-2017-BGL1

Company Reference: ADOPT-18-GL-01

Item Key: 704938Date Submitted: 04/02/2018CRUM & FORSTER INDEMNITY COMPANYNORTH RIVER INSURANCE COMPANY, THEUNITED STATES FIRE INSURANCE COMPANY16 - Workers CompensationLoss Cost AdoptionWorkers CompensationLoss Cost Adoption of NCCI Filing Reference Number LA-LC-2017-01

Company Reference: WCLC2018Requested Effective Dates - New: 05/01/2018 Renewal: 05/01/2018




There is an overall +4.40% rate decrease or +44,223 as a result of this filing.


Item Key: 704943



Company Current Loss Cost Multiplier Proposed Loss Cost MultiplierCrum & Forster Indemnity

Company 2.455 2.574

The North River Insurance Company 1.815 1.902

United States Fire Insurance Company 2.135 2.238

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Date Submitted: 04/02/2018STATE NATIONAL INSURANCE COMPANY, INC.17 - Other LiabilityInitial Rate and RuleCommercial Umbrella and ExcessEnergi Insurance Services, Inc. Umbrella and Excess Liability ProgramInitial Rate and Rule

Company Reference: ENERGI-CUXS-18

With this filing, the company proposes to introduce the rates and rules for the Energi InsuranceServices, Inc. Umbrella and Excess Liability Program. The purpose of the program is to provide specialized forms and rating plans designed for the energy industry.

This program will utilize Insurance Services Office, Inc. (ISO) rules and forms with company exceptions. The company is adopting the following designations for use with this program:


ISO Designation LDI Item Key Number Effective Date Approved for ISO

CL-2016-ODPRU 384305 4/1/2017CL-2016-RRU1 335905 11/1/2016

CU-2014-ODNRU 317340 7/1/2015CU-2013-OTERU 294568 4/1/2013CU-2012-ORU12 285684 4/1/2013

CU-2012-ORU12 (Amendment) 287720 4/1/2013CU-2010-ORS10 265427 9/1/2011

CU-2008-RTRCX 230038 5/1/2009CU-2008-ORU08 237446 5/1/2009CU-2007-REPRU 227297 11/1/2008CU-2007-REPRU

(Amendment) 232009 11/1/2008

CL-2007-RTRL1 226466 1/1/2008CU-2007-OCTRU 25587 5/1/2008

CU-2006-OTRRU-Louisiana 23914 6/16/2006CL-2006-OTR01-Louisiana 23098 3/28/2006CU-2005-ORU05-Louisiana 21567 9/1/2006

CU-2004-OSIER 18990 5/1/2005CU-2004-RRU03 18416 12/1/2004 NB, 4/1/2005 RBCL-2004-RTERP 18339 8/18/2004CL-2004-RTIPC 17979 7/16/2004

CU-2004-RPCRU 17453 9/1/2004CU-2003-RRU03 and

Supplement (Amendments 1, 2, and 3)

16625 9/1/2004

CU-2013-ODBRU 300125 5/1/2014

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The corresponding form filing has been submitted under company tracking number ENERGI-CUXS-18, LDI Item Key Number 705133.

Item Key: 704945Date Submitted: 04/02/2018Mitsui Sumitomo Insurance Company of AmericaMITSUI SUMITOMO INSURANCE USA INC.26 - Burglary And TheftLoss Cost AdoptionCommercial Burglary and Theft

Company Reference: CR-LA-56-18029 RARequested Effective Dates - New: 06/01/2018 Renewal: 06/01/2018

Item Key: 704949Date Submitted: 04/02/2018PENNSYLVANIA LUMBERMENS MUTUAL INSURANCE COMPANY26 - Burglary And TheftLoss Cost AdoptionCommercial Burglary and TheftAdoption of ISO Loss Cost Designation Filing Number CR-2017-RLA1

Company Reference: LA-CR-2018-LCRequested Effective Dates - New: 06/01/2018 Renewal: 06/01/2018

Item Key: 704954Date Submitted: 04/02/2018NAVIGATORS INSURANCE COMPANY17 - Other LiabilityRevised Rate and RuleCommercial General Liability

Company Reference: TGL-R-2242-LA

Item Key: 705006Date Submitted: 04/03/2018STAR INSURANCE COMPANY5 - Commercial Multiple PerilRevised Rate and RuleBusinessowners Program

Company Reference: STAR-LA-BOP-0318RR





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This company's last rate adjustment for the above-captioned program was filed and approved under the "Prior Approval" provision, Item Key No. 690298, which resulted in an overall 0% rate impact effective December 27, 2017.

This company is adding the following rates/rules:

Exception to ISO Rule 4 - Policy Term to allow for multi-year policy terms up to five years. Marring, Scratching or Negligent Workmanship Multistate manual pages for Equipment Breakdown coverage.

The corresponding form(s) filing, LDI Form Filing No. 705008, Company Form Filing No. STAR-LA-BOP-0318F, was approved effective April 5, 2018.

A SERFF "Objection Letter" was sent to Ms. Tracy Hammond on April 4, 2018 for additional information.

Item Key: 705089Date Submitted: 04/03/2018SENTINEL INSURANCE COMPANY, LTD.TWIN CITY FIRE INSURANCE COMPANY5 - Commercial Multiple PerilRevised Rate and RuleSpectrum Policy ProgramRates/Rules to be Used in Conjunction with Optometrists Professional Liability, Form SS 42 11 09 18

Company Reference: FN.07.892.2018.03Requested Effective Dates - New: 09/08/2018 Renewal: 09/08/2018

The last rate adjustment for Sentinel Insurance Company, Ltd. for the above-captioned program was filed and approved under the "Prior Approval" provision, Item Key No. 396965, which resulted in an overall 0% rate impact effective October 14, 2017.

The last rate adjustment for Twin City Fire Insurance Company, Ltd. for the above-captioned program was filed and approved under the "Prior Approval" provision, Item Key No. 693965, which resulted in an overall 0% rate impact effective May 16, 2018.

The companies are introducing the rates/rules for the following optional coverage:

Optometrists Professional Liability, Form SS 42 11 09 18 This form provides coverage for bodily injury or property damage arising out of any optometric

incident, as defined by the form. The limits of insurance for bodily injury and property damagecovered by this form are separate from and not subject to the Business Liability limits of insurance.

The companies state that these are new coverages; therefore, there is no impact to current policyholders.

The corresponding form(s) filing, LDI Form Filing No. 705208, Company Form Filing No. FN.07.892.2018.03, was approved effective September 8, 2018.

Item Key: 705178Date Submitted: 04/03/2018EVEREST NATIONAL INSURANCE COMPANY


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19 - Commercial AutomobileRevised Rule onlyCommercial AutomobileCommercial Auto ProgramRule Revision

Company Reference: LA-FI-20053800AURequested Effective Dates - New: 05/01/2018 Renewal: 05/01/2018



Introduce the rules associated with the new proprietary forms for use with Financial Institution risks;

Update the index with the current edition date; Remove the reference to Class Modification; Editorial revision to the LCM included in the manual to reflect the LCM previously approved

under LDI Item Key Number 321932; and Corrected the name of the Risk Managed Forestry Products Program rules.

The corresponding form filing has been submitted under company tracking number LA-FI-20041182-AU, LDI Item Key Number 705215.


Item Key: 705217Date Submitted: 04/03/2018U.S. SPECIALTY INSURANCE COMPANY17 - Other LiabilityRevised Rate and RuleEmployment Practices Liability

Company Reference: USS-OL-EPL-LA-1801R

Item Key: 705223Date Submitted: 04/03/2018Pharmacists Mutual Insurance Company17 - Other LiabilityWithdrawal of Rates or RulesCommercial Umbrella and ExcessExcess Professional Liability ProgramWithdrawal of Rates or Rules

Company Reference: LA-05-18-XPL-RR-WITHDRAWRequested Effective Dates - New: 05/31/2018 Renewal: 05/31/2018

With this filing, the company proposes to withdraw the rates and rules for the Excess Professional




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Liability Program.

The approval of the increased limit of coverage under company tracking number LA-PHL-01-18-RR, LDI Item Key Number 704113, within the Individual Pharmacist Professional Liability Program eliminates the need to maintain this program. The insureds written under this program will have the limits increased under their Individual Pharmacist Professional Liability Program policy.

The corresponding form filing has been submitted under company tracking number LA-05-18-XPL-F-WITHDRAW, LDI Item Key Number 705218.


Item Key: 705306Date Submitted: 04/04/2018NEW YORK MARINE AND GENERAL INSURANCE COMPANY1 - PropertyDelayed AdoptionCommercial Property (Fire and Allied Lines)Delayed Adoption of PIAL Loss Cost Designation Filing Number CF-2017-RLA1/690221

Company Reference: PS-18-012Requested Effective Dates - New: 09/01/2018 Renewal: 09/01/2018

Item Key: 705313Date Submitted: 04/04/2018Nationwide Mutual Insurance Company17 - Other LiabilityInitial Rate onlyExcess Loss Insurance Program

Company Reference: GBSL AO M27 0AA 0217 (RATES/RIDERS)The above-captioned company is filing initial rates for the above-captioned program.

This is an excess loss policy designed to protect employers against catastrophic losses in their self-insured employee medical programs. It reimburses employers for eligible claims in excess of specific and/or aggregate attachment points. Medical expenses eligible for reimbursement under this policy will generallyfollow those covered under the employee medical plan. However, benefits are paid only to the self-insured employer, and not to members of the employee medical plan.

The corresponding form(s) filing, LDI Form Filing No. 684237, Company Form Filing No. GBSL LA M20 000 0217 (FORMS - TW), was certified approved effective September 12, 2017.

Item Key: 705319Date Submitted: 04/04/2018SOUTHERN INSURANCE COMPANY17 - Other LiabilityInitial Rate and RuleCommercial Umbrella and Excess



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Commercial Umbrella ProgramInitial Rate and Rule

Company Reference: LA-CU-1806-05-1906SOICRequested Effective Dates - New: 06/01/2018 Renewal: 06/01/2018

With this filing, the company proposes to introduce the rates and rules for the Commercial Umbrella Program. The program will utilize Insurance Services Office, Inc. (ISO) rules along with independent company rules.

The company proposes to adopt the following Insurance Services Office, Inc. (ISO) designations:

The corresponding form filing has been approved under company tracking number LA-CU-1806-01-1906, LDI Item Key Number 690557, effective 6/1/2008.

**This filing is a resubmission of LDI Item Key Number 699405 which was disapproved due to an inadequate response to the LDI's objection letter.

Item Key: 705321Date Submitted: 04/04/2018CorePointe Insurance Company17 - Other LiabilityRevised Rule onlyCommercial Umbrella and ExcessCommercial Umbrella ProgramRule Revison


ISO Designation Number LDI Item Key Number Effective Date Approved for ISO

CA-2003-RRU03 & Supplement (Amendments 1, 2, and 3) 16625 9/1/2004

CU-2007-REPRU 227297 11/1/2008CU-2007-REPRU

(Amendment) 232009 11/1/2008

CU-2007-OCTRU andSupplement - Louisiana 25587 5/1/2008

CU-2012-ORU12 285684 4/1/2013CU-2012-ORU12 (Amendment) 287720 4/1/2013

CU-2013-ODBRU 300125 5/1/2014CL-2016-ODPRU 384305 4/1/2017

CL-2016-RRU1 335944 11/1/2016CU-2004-RRU03 18416 12/1/2004 NB, 4/1/2005 RB

CU-2005-ORU05-Louisiana 21567 9/1/2006CU-2014-ORU1 313479 2/1/2015

CU-2014-ODNRU 317340 7/1/2015

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Company Reference: LA-CU-1806-05-1906CPICRequested Effective Dates - New: 06/01/2018 Renewal: 06/01/2018

With this filing, the company proposes to introduce the company rules for use with this program.

The corresponding form filing has been approved under company tracking number LA-CU-1806-01-1906, LDI Item Key Number 690557, effective 6/1/2018.


Item Key: 705337Date Submitted: 04/04/2018Midvale Indemnity Company5 - Commercial Multiple PerilRevised Rate and RuleBusinessowners Program

Company Reference: LA-BP-18-102RRequested Effective Dates - New: 08/05/2018 Renewal: 09/09/2018

This company's last rated adjustment for the above-captioned program was filed and approved under the"Prior Approval" provision, Item Key No. 393935, which resulted in a +5.3% rate increase effective September 24, 2017 for new business and October 29, 2017 for renewal business.

The company is making the following revisions:

Revising loss cost multiplier from 2.240 to 2.290 to be used in conjunction with ISO Filing Designation No. BP-2016-RLA1 (Midvale adopted under Item Key No. 393935, Company Filing No.LA-BP-17-099R, effective 09/24/2017 for new business and 10/29/2017 for renewal business).

Revising renewal rate stabilization factors. Revising class modification factors. Revising minimum premium for 2 industry segments. Introducing the Businessowners Enhancement Endorsement. Updating underwriting scorecard.

These changes will result in a +6.4% rate increase or +$3,848.

There will be 50 Louisiana policyholders affected by this rate increase.

The requested rates/rules require approval of companion form(s), LDI Form Filing No. 705352, Company Form Filing No. LA-BP-18-102F.

A SERFF "Objection Letter" was sent to Ms. Sharon Raymond on April 10, 2018 for additional information.

Item Key: 705381Date Submitted: 04/04/2018American Risk Insurance Company, Inc.4 - HomeownersRevised Rate and Rule



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Voluntary (Standard) Homeowners ProgramCorrection to Item Key #391765Company Reference: ARIC HO RULE 4.4.18The initial rates and rules for the above-captioned program were approved in March 2017 (Item Key #391765) to be effective April 13, 2017.

With this filing, the company proposes a correction to that initial filing.

The company states "During programming, it was discovered that Territory 590 - Washington Parish was missing from the table on page HO-RM-18 in error. The rates were approved for this territory in Filing SPIS-130954926 which was the initial rate filing". The company is now adding that territory to the manual page.


Item Key: 705390Date Submitted: 04/04/2018Penn Millers Insurance Company19 - Commercial AutomobileRevised Rate only

Commercial AutomobileSolutions 2000® For Agribusiness ProgramRate Revision

Base Rates for Liability and Medical Payments

Company Reference: 2018-004LARequested Effective Dates - New: 06/01/2018 Renewal: 06/01/2018

The last rate revision to this program was -0.5% or -$6,700 which was approved under LDI Item Key Number 255207 effective 3/1/2010 for both new and renewal business.

With this filing, the company proposes to revise the base rates for Liability and Medical Payments in Rule K.1.


Item Key: 705405Date Submitted: 04/04/2018Gulf States Insurance Company1 - PropertyInitial Rate and RuleIntroduction of Louisiana Dwelling Property DP3 ProgramCompany Reference: GSIC-LA-DP-RATE-2018The above-captioned company wishes to file initial rates and rules for its Louisiana Dwelling Property DP3 Program.


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The proposed rates are similar to competitor's rates.

The base deductible is $1,000 for all other perils and 2% for hurricane. The hurricane deductible cannot be less than the all other perils deductible.



Item Key: 705409Date Submitted: 04/04/2018Gulf States Insurance Company1 - PropertyInstallment ProgramIntroduction of Installment Payment Plan forLouisiana Dwelling Property DP3 ProgramCompany Reference: GSIC-LA-DP-PP-2018The above-captioned company wishes to introduce an installment payment plan for use with its Louisiana Dwelling Property DP3 Program.

The initial rates and rules for this program are still pending approval as Item Key #705405.

The installment payment plan reads as follows:

Payment Plans Options

1. Full Payment:Full payment of the gross annual premium plus all appropriate fees and assessments are due at the inception of the policy.

2. 4 Pay Plan:25% of the total premium plus all fees and assessments are due at inception, with the balance due in three equal installments at 60/150/240 day intervals. Each installment (initial down payment excluded) is subject to a $6.00 service charge.

3. 10 Pay Plan:20% of the total premium plus all fees and assessments are due at inception, with the balance due in nine equal installments at 30/60/90/120/150/180/210/240 and 270 day intervals. Each installment (initial down payment excluded) is subject to a $6.00 service charge.

*There is a $35 service charge on NSF checks.



Item Key: 705437Date Submitted: 04/05/2018RLI Insurance Company17 - Other LiabilityInitial Rate and RuleCommercial General LiabilityESSENTIAL PAC PROGRAM

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Company Reference: RLI-LA-GL-RR-EPRequested Effective Dates - New: 09/01/2018 Renewal: 09/01/2018

Item Key: 705464Date Submitted: 04/05/2018FIRST FINANCIAL INSURANCE COMPANY9 - Inland MarineRevised Rule onlyCommercial Inland MarineSpecialty Trade Contractors Program

Company Reference: FFIC-LA-09.0005-2018-02-RU-STCRequested Effective Dates - New: 08/01/2018 Renewal: 08/01/2018

Item Key: 705487Date Submitted: 04/05/2018Unitrin Safeguard Insurance Company19 - Private Passenger AutomobileInitial Rate and RulePrivate Passenger Automobile

Company Reference: LA PRIME AUTO USICRequested Effective Dates - New: 08/17/2018 Renewal: N/A

Item Key: 705508Date Submitted: 04/05/2018EMCASCO INSURANCE COMPANYEMPLOYERS MUTUAL CASUALTY COMPANYUNION INSURANCE COMPANY OF PROVIDENCEEMC PROPERTY & CASUALTY COMPANY16 - Workers CompensationLoss Cost FilingWorkers CompensationLoss Cost Adoption of NCCI Filing Reference Number LA-LC-2017-01Adoption of NCCI Item Filing Number B-1435 Revisions to Basic Manual Classifications and Appendix E -Classifications by Hazard Group, including Trucking and Towing


The last rate adjustment for EMCASCO Insurance Company, Employers Mutual Casualty Company and EMC Property & Casualty Company was filed and approved under "Prior Approval" provision Item Key





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Number 392715 which resulted in an overall -4.30% rate decrease, effective 06/01/2017.

The last rate revision for Union Insurance Company of Providence was filed and approved under "Prior Approval" provision Item Key Number 394236, which resulted in an overall -30.80% rate decrease, effective07/01/2017.


Additionally, the companies wish to adopt NCCI Item Filing Number B-1435 Revisions to Basic ManualClassifications and Appendix E - Classifications by Hazard Group, including Trucking and Towing, approved under "Prior Approval" provision Item Key Number 387214, effective 05/01/2018.

Policies in EMC Property & Casualty Company will roll into Union Insurance Company of Providence upon renewal.




Item Key: 705510Date Submitted: 04/05/2018STATE FARM FIRE AND CASUALTY COMPANY4 - HomeownersRevised Rate and RuleHomeowners

Company Reference: ML-40640Requested Effective Dates - New: 06/15/2018 Renewal: 08/01/2018

Item Key: 705511Date Submitted: 04/05/2018STATE FARM FIRE AND CASUALTY COMPANYSTATE FARM GENERAL INSURANCE COMPANY3 - FarmownersRevised Rate and Rule

Company Current Loss Cost Multiplier Proposed Loss Cost MultiplierEMCASCO Insurance Company 1.600 1.600

Employers Mutual CasualtyCompany 2.00 2.00

Union Insurance Company of Providence N/A 1.200

EMC Property & Casualty Company 1.220 2.220


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Personal Farmowners

Company Reference: FR-33608

Item Key: 705560Date Submitted: 04/06/2018CRUM & FORSTER INDEMNITY COMPANYNORTH RIVER INSURANCE COMPANY, THEUNITED STATES FIRE INSURANCE COMPANY1 - PropertyRevised Rule onlyCommercial Property (Fire and Allied Lines)

Company Reference: MF 25 005 – AGRICULTURAL RRequested Effective Dates - New: 05/06/2018 Renewal: 05/06/2018

Item Key: 705596Date Submitted: 04/06/2018RLI Insurance CompanyCONTRACTORS BONDING AND INSURANCE COMPANY1 - PropertyInitial Rate and RuleCommercial Property (Fire and Allied Lines)

Company Reference: LA-TERR-RR-16-02-CPRequested Effective Dates - New: 06/01/2018 Renewal: 06/01/2018

Item Key: 705599Date Submitted: 04/06/2018Unitrin Safeguard Insurance Company4 - HomeownersInitial Rate and RuleHomeowners

Company Reference: LA HOME PRIME USIC - BILLINGRequested Effective Dates - New: 08/17/2018 Renewal: N/A

Item Key: 705604Date Submitted: 04/06/2018Unitrin Safeguard Insurance Company19 - Private Passenger AutomobileInitial Rate and RulePrivate Passenger Automobile

Company Reference: LA PRIME AUTO USIC - BILLING






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Requested Effective Dates - New: 08/17/2018 Renewal: N/A

Item Key: 705605Date Submitted: 04/06/2018Unitrin Safeguard Insurance Company17 - Other LiabilityInitial Rate and RulePersonal Umbrella and Excess

Company Reference: LA PULC PRIME USICRequested Effective Dates - New: 08/17/2018 Renewal: 08/17/2018

Item Key: 705607Date Submitted: 04/06/2018LYNDON SOUTHERN INSURANCE COMPANY1 - PropertyAdoption

Commercial Property (Fire and Allied Lines)Adoption of various Designation Filing Numbers

Company Reference: CPP INITIAL LA (RR) ADOPT 3 18

Item Key: 705610Date Submitted: 04/06/2018Stillwater Property and Casualty Insurance Company17 - Other LiabilityRevised Rate onlyPersonal Umbrella and ExcessPersonal Umbrella Program

Company Reference: LA-UMBR-SPC-RATE-DEL INCR LIMITS-2018Requested Effective Dates - New: 05/15/2018 Renewal: 07/04/2018

Item Key: 705611Date Submitted: 04/06/2018Anchor Specialty Insurance Company4 - HomeownersRevised Rule onlyHomeowners

Company Reference: LAHOV(2018-6) RRequested Effective Dates - New: 06/01/2018 Renewal: 08/01/2018





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